{"title":"Partial payments","category":"default","creationDate":1692791820,"content":"

To reduce the number of transactions that are declined due to insufficient funds, you can add partial payments to your Terminal API integration. With this, you ask the issuer to authorize the available amount when the card's balance is not enough for the full amount. You can then let the shopper pay the remainder with another card or in cash.<\/p>\n

Requirements<\/h2>\n

Before you begin, take into account the following requirements, limitations, and preparations.<\/p>\n\n\n\n\n\n\n\n
Requirement<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
Integration type<\/strong><\/td>\nMake sure that you have built a Terminal API integration<\/a>.<\/td>\n<\/tr>\n
Limitations<\/strong><\/td>\nBe aware that there is no guarantee that all issuers support partial authorizations.<\/td>\n<\/tr>\n
Setup steps<\/strong><\/td>\nConsider configuring a capture delay<\/a>.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Risk with partial payments<\/h2>\n

When the issuer supports partial authorizations and the transaction succeeds, the terminal shows that the transaction is approved plus a warning that mentions how much was paid, out of the requested amount.<\/p>\n

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Because the transaction is approved, the warning may be overlooked, and the shopper may leave without having paid the full amount. Therefore, it is very important to ensure that your POS app alerts your staff to the fact that there is an amount remaining to be paid.<\/p>\n

Consider configuring a capture delay<\/a>. If the customer has second thoughts about the transaction, this gives you time to cancel the authorization before the amount is captured. This is easier than issuing a refund.<\/p>\n

How it works<\/h2>\n

To use partial payments, you need to:<\/p>\n

    \n
  1. \n

    Add the tender option<\/a> AllowPartialAuthorisation<\/strong><\/span> to your payment request.
    \nWhen the requested amount is higher than the amount available in the account, this tender option asks the issuer to return an authorization for the available amount instead of declining the transaction.<\/p>\n<\/li>\n

  2. \n

    Keep track of how much remains to be paid, and alert your staff.
    \nThe payment response returns the authorized amount. If this is less than the requested amount, you can     make another payment request to let the shopper pay the remainder<\/a> with another card or in cash.<\/p>\n<\/li>\n

  3. \n

    In your reconciliation process, connect multiple partial payments to the same transaction.<\/p>\n<\/li>\n<\/ol>\n

    Make the initial payment<\/h2>\n

    To start a payment where partial authorization is possible:<\/p>\n

      \n
    1. \n

      Make a payment request<\/a>, specifying:<\/p>\n