2.2 Practical: Payment Use Cases
Now that we have understood how a payment evolves through different lifecycle states, it’s time to see those states in action.
In this section, we move from abstract state transitions to concrete, real-world payment patterns. Each use case we discuss maps directly to the lifecycle model you’ve just learned. The difference lies not in the states themselves, but in how and when they are triggered through specific API calls, configuration choices, and user or merchant actions.
These practical flows demonstrate how the same underlying lifecycle primitives can be composed to support very different business requirements.
We will cover:
Instant Payment (Auto-Capture Flow) A simple, one-step payment where authorization and capture happen automatically, resulting in a seamless checkout experience.
Two-Step Manual Capture Flow A delayed capture model where authorization happens first, and the merchant explicitly captures funds later commonly used in e-commerce, hospitality, and marketplaces.
Fully Decoupled Payment Flow A model where confirmation, authentication, and completion may occur asynchronously or across separate systems, enabling more flexible integrations.
3DS Authentication Flow A customer-action-driven flow where Strong Customer Authentication (SCA) or 3D Secure is required before authorization completes.
Recurring Transactions (MIT – Merchant Initiated Transactions) A lifecycle variation that builds on an initial customer-authorized payment to support subsequent off-session recurring charges.
As we walk through each of these, we will explicitly connect:
The API calls involved
The lifecycle states triggered
The terminal outcomes reached
By the end of this section, you’ll not only understand these flows individually you’ll be able to model and implement them confidently using the Hyperswitch lifecycle primitives.
Note: More payment use cases will be added in the future.
The payment use cases mentioned above can be executed directly using the pre-defined requests available in the Hyperswitch Academy Postman collection, and as new payment use cases are added, the collection will be updated to reflect and support those additional use cases.
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