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Partial Authorization

Description

The Partial Authorization Service provides an alternative to declining a transaction when a cardholder’s available balance is insufficient to approve the full transaction amount.

When this occurs, participating issuers can return an authorization response approving a portion of the requested amount. This enables the merchant to complete the transaction for the approved amount and allow the customer to pay the remaining balance using another payment method (via split tender functionality).

Partial authorization is commonly used by merchants to reduce declines caused by non-sufficient funds and to provide a smoother customer experience.


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Note

If issuer does not participate/allow partial authorization, transaction will not proceed with partial authorization, regardless if merchant has the feature enabled from payabl.'s side.


Supported Payment Networks

  • Visa
  • Mastercard

Supported Transaction Types

  • Deposits
  • AFTs (Account Funding Transactions)

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Warning

  • Once the partial authorization feature is enabled for your account, it will be applied to all transactions where the issuer supports partial authorization.
  • You must validate the amount parameter in the Capture status notification: callback sent to your notification_url or synchronous server response in case of callback absence. The notification will contain information about final transaction status and partial amount that was deducted from customer's account.
  • If you are integrated through a gateway or third-party provider, ensure they are informed and able to properly process partial authorization.

Example Scenario

  1. Transaction amount: 10 EUR
  2. Cardholder’s available balance: 2 EUR
  3. If partial approval is enabled:
    1. The transaction is approved for 2 EUR (instead of declined).
    2. The Capture amount will be 2 EUR.

Sandbox Testing

You can test Partial Approval flow in our Sandbox environment. Transaction amount is 1000.10 EUR and Capture amount is 50 EUR.

You need to use ccn = 4297016519240436 and amount = 1000.10 for your testing purposes.

Request example:

https://sandbox.payabl.com/pay/backoffice/payment_authorize?merchantid=gateway_test_cb&payment_method=1&currency=EUR&[email protected]&cvc_code=123&amount=1000.10&orderid=payabl.%20Test&language=en&customerip=127.1.1.1&ccn=4297016519240436&exp_month=01&exp_year=2029&firstname=Test&lastnamt=Test&notification_url=https://notification/your-notification-id&signature=395d51ce3ed290a149fb8f243fde98190cfa56da

Final notification example

errormessage=&timestamp=106536295&errorcode=0&expiry_month=01&3dauthentication_flow=challenge_flow&3dstatus=VERIFIED&orderid=payabl.+Test&3dauthentication_status=Y&transactionid=106536303&payment_method=1&bin_country=USA&3dProtocolVersion=2.2.0&expiry_year=2029&currency=EUR&type=capture&security=1056adbb33e18dd18f7bcba4e8a1c1d97648128ed1de16cd60d288746670b3df&related_token_ids=&bin=429701&ccn_four=0436&card_type=VISA&amount=50.00
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Please contact your Client Relations Manager to enable Partial Authorization for your account.

It is the merchant’s responsibility to make sure that they are providing services to cardholders based on the authorized amount and not on the initial requested amount.

The feature can be switched on only after confirmation of the successful testing.

Updated 2 days ago