Supported Payment Methods

Different payment methods interact with mandate_options and the recurring payment flow in different ways. This page documents the behaviour for each supported payment method across first_in_series and next_in_series sessions.

Eligibility by mandate type

Cards support every mandate type. Capitec VRP requires a consented cadence, so it works only with scheduled or installment.

Mandate type	Cards	Capitec VRP
`scheduled`	Yes	Yes
`installment`	Yes	Yes
`on_demand`	Yes	No (no consented cadence)

While Capitec VRP does not support on-demand collection, a scheduled mandate with a daily recurrence can be used to obtain consent for collection on any day of the month.

`first_in_series`

The customer is present. Consent is captured and a mandate is created.

	Cards	Capitec VRP
Customer interaction	Yes, customer completes checkout flow	Yes, customer approves consent in Capitec Pay App
Provider-side registration	Yes, for some card networks	Yes, VRP consent created at Capitec with explicit terms
Recurrence	Optional, some card providers use it as a consent hint for interval and duration. Enforcement varies by network	Required, used to set the consent interval. Sourced from `mandate_options.recurrence` for `scheduled` or `mandate_options.terms.recurrence` for `installment`
Variable amount	Yes	Yes, a variable amount can be collected, but `amount.max` sets the consent ceiling, fixed for the life of the consent
Amount and period constraints	Managed by Moment	Yes, `amount.max` sets the consent ceiling and cannot be updated. Other constraints managed by Moment

Capitec VRP requires a consented cadence. It is eligible only on scheduled or installment mandates; on_demand mandates do not carry a cadence and are not supported for VRP.For scheduled mandates, set recurrence directly on mandate_options. For installment mandates, set recurrence on terms (both periodic and fixed term types support this). Selecting capitec_vrp on an on_demand mandate is rejected.

Capitec Pay supports Variable Recurring Payments (VRP) for scheduled and installment mandates only. When creating a first_in_series session for Capitec Pay, mandate_options must include:

type set to scheduled or installment.
A recurrence set to one of the following supported combinations of type and interval_count (mandate_options.recurrence for scheduled, mandate_options.terms.recurrence for installment):

`type`	`interval_count`
`daily`	`1`
`weekly`	`1`
`weekly`	`2`
`monthly`	`1`
`monthly`	`6`
`yearly`	`1`

Any other combination is not supported by Capitec Pay, therefore Capitec Pay will not be visible on during Checkout.

`next_in_series`

The customer is not present. Payment is executed against an existing mandate.

	Cards	Capitec VRP
Customer interaction	No	No
Mechanism	Payment collected against saved card	Payment collected against stored consent
Variable amount	Yes	Yes, a variable amount can be collected, but constrained within `amount.max` set at consent creation
Automated via subscription	Yes	Yes
Pre-payment validation	Mandate active	Mandate active and consent status verified with Capitec before each collection

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Eligibility by mandate type

`first_in_series`

`next_in_series`

​Eligibility by mandate type

​first_in_series

​next_in_series

Eligibility by mandate type

`first_in_series`

`next_in_series`