Pull Credit Transfer
A "Pull credit Transfer" is when the authentication is done by the payer (mandatory) and the trigger is done by the payee.
The basic Credit Transfer was designed to transfer funds form account to account. When credit transfer need to be link smoothly with a purchase, it is more operationnal for the merchant to trigger the payment, even if it is a few seconds after the authentication (and acceptation) of the payer.
Thus, the merchant could access the same functions he already have with card systems:
- differ the fund transfer itself until the delivery is under process
- decrease the amount