What is the key difference between offline and online payment method in Magento 2?

How they work and how we can decide that the payment method should be offline or online.

2 Answers 2


Online (immediate) :- our system forwards the payment request without delay directly to the acquirer. The acquirer’s response is immediately available but due to the communication between our system and the acquirer, the process time is slightly longer.

Online refund perform actual refunds refunds through payment gateway. If payment is only authorized then void() is done, and if payment is captured then refund() is done.

Offline (deferred processing) :- our system verifies that the payment data are complete and correct, and then stores the information and processes the payment later on (maximum 4 hours). This reduces response time and allows the payments to be input faster.

Offline simple creates credit memo but no payment gateway integration happens.

  • credit memo means?
    – imtiazau
    Commented May 13, 2019 at 9:28
  • credit is document that shows the amount that is due the customer for a full or partial refund Commented May 13, 2019 at 9:43
  • what is refund in magento2 its mean we refund to customer or take back our product?
    – imtiazau
    Commented May 13, 2019 at 9:50
  • The amount can be applied toward a purchase, or refunded to the customer. Commented May 13, 2019 at 10:02

Online Payments : module implements the payment methods which require interaction with a payment gateway, these methods are the following:

  • Paypal
  • Braintree
  • Amazon pay
  • Klarna
  • Authorized.net

Offline Payments module implements the payment methods which do not require interaction with a payment gateway (so called offline methods). These methods are the following:

  • Bank transfer
  • Cash on delivery
  • Check / Money Order
  • Purchase order

Source: https://devdocs.magento.com/guides/v2.3/mrg/ce/OfflinePayments.html

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