Capture flow

After a payment-request is created, the seller can capture the amount from a payment-request after shipping/ fulfilling the product. On a capture, finmid will transfer money to the seller via a SEPA Credit Transfer, and the buyer settles the invoice after the chosen repayment period.

Payments capture flow for a platform acting as a seller


Payments capture flow for a platform with multiple sellers


  1. Platform creates a payment request.
  2. Seller ships the product/ services and platform creates an invoice to the buyer.
  3. The seller captures the amount held in the payment request.
  4. finmid transfers money to the seller(s) immediately on capture.
  5. Buyer settles the invoice after the chosen repayment period.

Payment Request Repayment Date Behavior

Platform can provide the invoice due date for the payment request in question. If provided,
the payment request's repayment date will be set to the invoice due date on capture.

If the invoice due date is not provided, then the payment request's repayment date will be set to X days after the day of first capture.
The number of days depends on the repayment term used.