Due to demand from our users we have introduced configurable payment workflows. Each Raise Mode (KiA or AoN) can now can operate in either Direct or Post payment processing mode. This is configurable behavior from the portal admin UI.
With Direct payment processing mode contribution charges get processed immediately without any delays. This also means that project or campaign creator needs to be handling refunds manually.
Post payment processing mode (a sensible default) will process all contributions after campaign has ended. It will first pre-authorize all credit card used for contributions and then allow for those that failed to be re-tried. Additionally it will give opportunity to the project creator to back out if success thresholds are not met. Refunds are handled automatically because if creators back out, pre-authorizations will fall off on their own. Finally after a 5 day period those pre-authorizations will be captured if project creators did not back out.
Direct payment processing mode is preferred mode for KiA project or campaign creators. However KiA can still be configured to use either Direct or Post payment processing mode.