General and special cases
This chapter covers general and special cases, that do not apply to one payment method, but also do not apply in every case, for example special behaviors in case of certain acquirers and special features, across multiple payment methods, that need a special integration. This chapter covers these cases.
Partial approvals
A partial approval is best explained with an example:
A customer comes to your shop and orders goods worth 100 Euros.
He/she enters the card details, and Saferpay authorizes the card. During authorization, the cardholder's bank checks the solvency of the cardholder and concludes that only a maximum of 80 Euros can be authorized.
Usually, such a transaction would be declined. However, if the merchant requests a partial approval, the card can be authorized for 80 Euros.
This sort of authorization type is best suited for goods that are sold in bulk, like for example screws, certain food items, or petrol at a gas station.
Not all Issuers may support this feature. If partial approvals are not supported, either the full amount will be authorized, or the transaction will be declined.
Requirements
Partial approvals can only be requested with SpecVersion 1.29, or higher.
Partial approvals are only available for Visa/VPay, Mastercard and Maestro.
Integration
A partial approval can only be requested when using either the Authorize Direct Request, or the Transaction Interface integration In the request, the parameter Payment.Options.AllowPartialAuthorization must be set to true.
Please make sure that you have read the PSD2 chapter, since an Authorize Direct request is classified as a Merchant Initiated Transaction (MIT), if you intent to use this request!
The merchant must make sure that his inventory is adjusted accordingly, since less will be payed than initially requested.
If a partial approval is executed, DCC will not be performed!
Example of Authorize Direct
Example for the Transaction Interface
Since the Transaction Interface consists of more, than just one request, you have to first request a partial approval with Transaction Initialize:
Transaction Authorize will then return the authorized amount:
Scheme tokens
Saferpay also supports the direct insertion of decrypted Scheme-tokens, provided by any external provider (For example, Apple Pay). This way, it is possible to provide a more seamless and integrated solution. However, in this case, the integration is realized via the Transaction Interface. The overall transaction-flow will stay the same. The only thing you must take care of is, that you provide the necessary data, within the PaymentMeans.SchemeToken container, through the Initialization request.
Dual branded cards
Many credit cards are also dual-branded, meaning, that they do have a second brand attached to their main brand, for example a Bancontact card also having Visa functionality.
This means, that this card can be processed as both, Bancontact and Visa.
Saferpay generally does support dual branded cards and is able to detect these cards.
These cards have a primary and a secondary branding, meaning, that one brand is preferred over the other. Saferpay will automatically detect these brands and attempt to perform the transaction through the primary brand. If that is not possible, Saferpay will attempt to process via the secondary brand.
So in case of the example above, Saferpay will first attempt to perform a Bancontact transaction and if that brand is not available for processing, we will proceed with Visa.
In order for this to work, one, or both, of these brands must be activated on your terminal. In case of the example above, you either need Bancontact or Visa to be active.
If the primary brand rejects the transaction, Saferpay will not attempt to perform a transaction through the secondary brand, as this is deemed a valid rejection.
The secondary brand will only be used, if the processing via the primary is not available (e.g. the brand not being activated on the terminal).
Special Cases
Though we at Worldline do offer the possibility to process credit cards, it is sometimes necessary to involve third parties in order to process credit cards in certain countries and regions. This chapter will cover the special characteristics you need to consider, if you want to use Saferpay with these processors.
Credit Cards
Chase Paymentech
Chase Paymentech is a US credit card processor with office in Dallas, Texas. Worldline offers the possibility to process credit cards over this processor, directly in the US.
Please take note to the following restrictions and characteristics.
OrderId: Due to technical restrictions, the OrderId will not be forwarded to Chase to be shown on your reconciliation files from chase. Saferpay will instead fill it with a unique, increasing, numeric value, to meet Chase Paymentechs requirements. Therefore, a later identification through the OrderId will not be possible.
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