Step 5. When the transaction is complete

On this page:


When the transaction is complete, we send an HTML page to your customer’s browser that redirects them to the appropriate page addressed by your RedirectURL. On return to your site, you can confirm their order and display any other completion pages you want to display.

    a. You Complete Your Customer's Experience

    Your customer is unaware of the background process in the previous Step. From their perspective they:

    1. Clicked “Proceed” on a payment page.
    2. Received a message saying, “Authorising please wait…”.
    3. Then returned to a page on your website to learn of the transaction's completion.

    The real-time processing of the transaction by Opayo is now complete. Later that day, the final stage of the process is completed between Opayo and the banks without you or your site needing to do anything more.

    b. Opayo sends Settlement Batch Files

    Once each day from 00:00:01 AM, the Opayo system:

    • Batches all authorised transactions for each acquirer and
    • Creates a settlement file for each acquirer.

    The process requires no input from you or your site.

    The Settlement File

    The settlement file contains transactions for ALL merchants who use the same merchant acquirer. All transactions occurring from 00:00 AM to 11:59:59 PM on the previous day are included in the files except PayPal and European Payment methods transactions.

    The files are uploaded to the acquiring banks on a private secure connection. The batched contents and delivery confirmation are found in the Settlement section of MySagePay.

    Opayo monitors the process for successful submissions and notifies the support department to correct problems.  Corrected files are sent the same evening and as soon as reasonably possible to ensure funds are available to vendors most expediently.

    To confirm their receipt of the file, the acquirers return summary information to Opayo and later, more detail about rejections and, or errors. If a transaction is rejected, we will inform you and resubmit the transaction for settlement when possible.

    PayPal Payments

    Funds from your customers’ PayPal payments are deposited into your PayPal Business account immediately and there is no settlement process. You can withdraw or transfer the funds electronically into your specified bank account.

    Although PayPal transactions are included in the Settlement Reports displayed within MySagePay, and as PayPal transactions are not settled by Opayo directly with the banks, we recommend you log into your PayPal Admin area to obtain a report of your PayPal transactions.

    European Payment Transactions

    The clearing of European Payment transactions is performed on a weekly basis.

    From 12.00:01am on each Saturday a file is received by Opayo that contains details of all transactions processed between Saturday 00:00:00am to Fridays 11:59:59pm that week.

    You may need to wait a further 2-3 days before you receive these funds, which are transferred by PPro to your designated bank account.


    ❮ Back to Step 4