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.
Integration
The merchant must make sure that his inventory is adjusted accordingly, since less will be payed than initially requested.
Example of Authorize Direct
Example for the Transaction Interface
Decrypted Scheme tokens
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.
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.
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.
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.
Last updated