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A one time purchase runs from quote to verified order with a single moment of user intent. The user approves the cap, the merchant and the validity with one passkey tap and the mandate is spent after the purchase.

Quote the item

The agent picks the item through your product discovery and the module opens the merchant checkout for it.
  • Your application opens the quote with POST /quotes and receives the items, shipping and tax estimate with a quote reference
  • The quote pins the amount that the mandate cap anchors to

Approve the mandate

The user reviews the cap, the merchant and the expiry in chat and approves with a passkey biometric.
  • Your application creates the mandate with POST /mandates using the onetime frequency
  • The signed approval authorises a single use network token and cryptogram scoped to the approved mandate cap, merchant and time window
  • Reap confirms activation through the mandate-approved webhook

Execute the checkout

Reap completes the real merchant checkout and the agent never handles a credential.
  • Your application runs the checkout with POST /checkouts from the quote reference and the mandate
  • Reap fills contact and shipping, waits for the live total to settle and reconciles it against the quote before any charge
  • Reap pays with the single use network token on the secure surface and returns the merchant order reference through the checkout-completed webhook
The approved mandate cap is the hard spending limit. A total that drifts from the quote but stays within the cap moves the checkout to requires_new_quote and the purchase proceeds under the same mandate once a new quote is generated. A total above the cap fails the payment and the user must approve a new mandate with a passkey tap.

Clear a challenge when one fires

Most purchases do not require this step because the passkey approval already authenticated the user. An occasional 3DS challenge still fires under specific merchant rules or stricter issuer card policies.
  • Reap pauses the checkout and delivers the challenge through the checkout-escalated webhook
  • You surface the human in the loop approval in the chat
  • Your application relays the decision with POST /checkouts/id/escalation/respond and the checkout resumes or aborts
The user must respond within five minutes of the challenge being created.

Confirm the verified order

Reap matches the order against the card authorisation event on its own rails.
  • Reap fires the order-completed webhook when the order is verified
  • Your application fetches the record with GET /orders/id and the agent confirms the verified order back to the user
  • The one time mandate is spent and the next order starts from a fresh quote and a fresh approval

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A worked example

The user asks the agent to buy Sony WH 1000XM5 headphones for USD 129 with a spending cap of USD 150. At audiohub.com the user approves the mandate with a single passkey tap. The agent confirms the checkout at USD 138.42 including all charges and reports order 12345 with Friday delivery.

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Next steps

Set up recurring purchases

One approval that stands for every later cycle

Read the FAQ

Coverage, limits and the questions prospects ask