BNPL methods don't work using default settings

[domeglic]

I can't find much information on how BNPL methods are supposed to be configured to work correctly.

The documentation only states we need to use a separate portal and configure it. But according to Payone support we must also use preauthorization. When that is done orders are no longer automatically processed further, there is no invoice created because we are apparently supposed to manually capture it? We don't want to manually capture 100s of orders per day.

As I understand it the process should be:

• When appointed is recieved, order may be shipped
• When order is shipped, we should capture the payment to trigger the payment so user may recieve the emails on how to pay.
• When it is paid, we would recieve the paid status

We must only capture the payment after shipping because doing so sends the email to the user that they must pay, but that should only happen when shipped, so we cannot just capture right away like with advance payment.

But does capture mean the same thing as in Magento? If I create an invoice in magento with capture online, it is already paid but it should not be. However, if I create it as not capture, will that trigger the process on the gateway?

This should all be either explained or part of the default functionality of the extension.

[janteuber]

The challenge with BNPL is that the capture triggers the due date. Therefore, the capture must be close to the shipping of the products. Whether there are a few minutes or even a few hours between shipping and capture is not important. The customer has enough time to pay. However, it is important, for example with furniture that needs to be manufactured first, that the capture does not occur too early. In Magento, we have linked the "capture" to the invoice creation.

[domeglic]

I understand that but it doesn't explain why there is no automatic capture when order is shipped.

Another problem as I explained is that creating an invoice in magento using capture online will mark the invoice as paid, while it is in fact not.
I was hoping that we can trigger the BNPL capture but keep the invoice as open. Then when the invoice is actually paid we would get a transaction status paid and that would trigger this already existing observer (https://github.com/PAYONE-GmbH/magento-2/blob/master/Observer/Transactionstatus/Paid.php) to set the invoice as paid.

[janteuber]

We have fully followed the logic of M2 and send the capture with the invoice creation. We do this for all our payment methods in M2.

All three BNPL payment methods are secured payment methods. This means that once the order is in the shop, the products can be shipped without further verification. Once the order is captured, the money will be paid out to the merchant. The payout is guaranteed, regardless of if and when the customer actually pays. The status "paid" is completely irrelevant for the merchant in this context.

[domeglic]

What about the first part of my question regarding automation? All the other payments work fully automatic but this one doesn't. Merchant shouldn't be expected to click capture on each order, we get potentially over 100 orders a day.