New Features

1. Card surcharging

You can now add a surcharge to card payments (Visa, Mastercard, Google Pay, and Apple Pay), based on a percentage of the transaction. Surcharge rates are set and managed by us to prevent excessive charges, but clients can request adjustments as needed.

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2. RTGS receivable in ledger account

Ledger account will support receiving RTGS transactions.

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3. Card token deletion on hard decline

A hard decline occurs for specific reasons that prevent us from reattempting the transaction with that card, such as instances involving lost or stolen cards. When we encounter a hard decline, we will delete the token associated with that card, preventing any further retry attempts.

Please note that this policy applies solely to card payments made via token, and does not affect card payments processed using the client session.

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4. Optional billing address fields for cards

The previously mandatory billing address details will be changed to optional.

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5. PayTo instruction_identification in PayToReceivePayment

The instruction identification will now be included in the existing PayTo payment instruction webhooks, making it easier to locate payment agreements.

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6. New webhook for direct debit settlement

A new webhook for direct debit settlement! We will be providing another webhook to notify you of direct debit settlement which will be “DirectDebitClearance”.

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7. Payment agreement correction webhook

We're adding a daily error correction process to catch and fix any issues with PayTo payment agreements from our banking partner. This helps ensure that no bank responses are missed and that agreements stay current. The process only runs for agreements that need updates. You'll receive a webhook notification with the sourceEventName 'PaymentAgreementCorrection' for these updates, and no extra subscription is needed to get these notifications.

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