Cancellation Flow

A payment (or loan) can be canceled at any point before the user completes payment. In Aplazo’s system, this corresponds to the payment having a NO CONFIRMADO status. Once the payment status becomes ACTIVE, it can no longer be canceled, instead it can be refunded if necessary.

Common Reasons for Cancellation

• Abandoned Checkout: The user navigates away or fails to complete the purchase.

• Timeout: The system automatically cancels the payment after a predefined period of inactivity.

Important: Aplazo does not trigger cancellations automatically. It is the merchant’s responsibility to detect when a transaction should be canceled (e.g., if the user abandons checkout) and send the necessary cancellation request to Aplazo.

Cancellation Steps

1

Authenticate

Call the Authentication endpoint to obtain a Bearer token, which you’ll include in all subsequent requests.

2

Request Payment

Initiate a payment request to generate the Aplazo checkout URL.

3

Redirect Customer

Redirect the customer to the Aplazo checkout URL.

4

Customer Does Not Complete Payment

If the customer leaves the checkout flow or fails to make the first payment, the payment remains NO CONFIRMADO.

5

Merchant Initiates Cancellation

If you determine the transaction should not be completed (e.g., abandoned cart or a timeout), call the Request Payment Cancellation endpoint.

6

Cancellation Finalized

Aplazo sets the payment status to CANCELADO / DEVUELTO, and no further action is needed.

Once the payment is canceled, it cannot be recovered. If the user wishes to continue the purchase afterward, they must initiate a new payment request.