Order Expiration
When aCuotaz detects that a customer is not progressing in the funnel or abandons it, we send a cancellation event for the ecommerce to cancel the order and unlock the inventory. This is to avoid holding inventory for customers who are not likely to continue the process, and to maintain the inventory for those who continue advancing through the process.
There are 2 expiration methods, orders expire normally through the cascade but expiration_ts is used to shorten that time.
expiration_ts param
When the expiration_ts parameter is sent, it is not necessarily respected. It is only respected if it occurs before the cascade expiration.
real_expiration = min(expiration_ts, cascade_logic)
Example:
-
If an expiration_ts within 4 days is sent, the cascade will take precedence, and the order will expire in a maximum of 13 hours (12h + 30m + 25m + 5m).
-
If an expiration_ts within 10 minutes is sent, the user will likely be in section 2 when the order expires. In this case, the expiration_ts takes precedence over the cascade.
Cascade
Maximum Process Time:
aCuotaz/Merchant - 13 hours
Rules Table
| Examples | Section 1 | Section 2 | Section 3 | Section 4 |
|---|---|---|---|---|
| Scenario 1 | 5 min | Expired | Expired | Expired |
| Scenario 2 | 5 min | 25 min | Expired | Expired |
| Scenario 3 | 5 min | 25 min | 30 min | Expired |
| Scenario 4 | 5 min | 25 min | 30 min | 12 hours |
Sections Explained
- Section 1: From the creation of the order until the "request loan" button is clicked in the simulator.
- Section 2: From clicking on "request loan" in the simulator, until immediately after registering downpayment voucher. This includes the evaluation form, results view, approval view, credit acceptance, initial downpayment instructions, and initial downpayment registration form.
- Section 3: From immediately after registering downpayment voucher until immediately after uploading information to validate email/phone/identity.
- Section 4: From upload information to validate identity until being FUNDED. This stage depends on acuotaz, not the buyer.
Scenarios Examples :
- Scenario 1: The user starts at 5:00 am in the loan simulator, but does not continue the process, order expires at 5:05 am.
- Scenario 2: Scenario 1 ends by clicking on "request loan" at 5:03 am, complete the evaluation form at 5:15 am, but does not accept credit, order expires at 5:30 am.
- Scenario 3: Scenario 2 ends by registering downpayment voucher at 5:25 am, validate email and phone at 5:35 am but does not validate identity, order expires at 6:00 am.
- Scenario 4: It is not desirable, aCuotaz does everything possible to prevent this from happening by validating as soon as possible. Scenario 3 ends by validating email, phone and uploading identity data at 5:45 am, but the aCuotaz team cannot validate the user's data, the order expires at 6:00 pm,