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Partial Approval

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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)

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 10.10 EUR and Capture amount is 10 EUR.

You need to use ccn = 4297016519240436 and amount = 10.10 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=10.10&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=5

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Please contact your Client Relations Manager to enable Partial Approval for your account.

Updated about 4 hours ago