Partial Authorisation
Partial Authorisation
Partial authorisation provides your customers with the flexibility to pay their bill using multiple payment methods. If the purchase amount exceeds the balance of the cardholder, they have the choice to choose an additional payment option.
To enable this feature, the parameter AllowPartialApproval in the sale transaction must be set to ‘true’.
The following XML document represents an example of a Sale transaction request using the minimum set of elements. If the issuer approves only a partial amount, you will receive the following response:
<ipgapi:IPGApiOrderRequest
xmlns:v1="http://ipg-online.com/ipgapi/schemas/v1"
xmlns:ipgapi="http://ipg-online.com/ipgapi/schemas/ipgapi">
<v1:Transaction>
<v1:CreditCardTxType>
<v1:Type>sale</v1:Type>
</v1:CreditCardTxType>
<v1:CreditCardData>
<v1:CardNumber>4111********1111</v1:CardNumber>
<v1:ExpMonth>12</v1:ExpMonth>
<v1:ExpYear>27</v1:ExpYear>
</v1:CreditCardData>
<v1:Payment>
<v1:ChargeTotal>100.00</v1:ChargeTotal>
<v1:Currency>978</v1:Currency>
<v1:AllowPartialApproval>true</v1:AllowPartialApproval>
</v1:Payment>
</v1:Transaction>
</ipgapi:IPGApiOrderRequest>
<ipgapi:IPGApiOrderResponse
xmlns:a1="http://ipg-online.com/ipgapi/schemas/a1" xmlns:ipgapi="http://ipg-online.com/ipgapi/schemas/ipgapi" xmlns:v1="http://ipg-online.com/ipgapi/ schemas/v1">
<ipgapi:ApprovalCode>Y:311990:4654586560:PPXP:397530</ipgapi:ApprovalCode>
<ipgapi:AVSResponse>PPX</ipgapi:AVSResponse>
<ipgapi:Brand>VISA</ipgapi:Brand>
<ipgapi:CommercialServiceProvider>FDMX</ipgapi:CommercialServiceProvider>
<ipgapi:OrderId>A-f5c5daf8-f6a2-4e38-a967-b5db8bc85a2d</ipgapi:OrderId>
<ipgapi:IpgTransactionId>84654586560</ipgapi:IpgTransactionId>
<ipgapi:PaymentType>CREDITCARD</ipgapi:PaymentType>
<ipgapi:ProcessorApprovalCode>311990</ipgapi:ProcessorApprovalCode>
<ipgapi:ProcessorCCVResponse>P</ipgapi:ProcessorCCVRespons
<ipgapi:ProcessorReferenceNumber>84654586560</ipgapi:ProcessorReferenceNumber>
<ipgapi:ProcessorResponseCode>10</ipgapi:ProcessorResponseCode>
<ipgapi:ProcessorNetworkInformation>VISA</ipgapi:ProcessorNetworkInformation>
<ipgapi:ProcessorAssociationResponseCode>010</ipgapi:ProcessorAssociationResponseCode>
<ipgapi:ProcessorAssociationResponseMessage>Partial Approval</ipgapi:ProcessorAssociationResponseMessage>
<ipgapi:ProcessorResponseMessage>APPRV LESSER AMT</ipgapi:ProcessorResponseMessage>
<ipgapi:ApprovedAmount>50.00</ipgapi:ApprovedAmount>
<ipgapi:SchemeTransactionId>754115418070786</ipgapi:SchemeTransactionId>
<ipgapi:TDate>1713958607</ipgapi:TDate>
<ipgapi:TDateFormatted>2024.04.24 13:36:47 (CEST)</ipgapi:TDateFormatted>
<ipgapi:TerminalID>1812181</ipgapi:TerminalID>
<ipgapi:TransactionResult>PARTIAL</ipgapi:TransactionResult>
<ipgapi:TransactionTime>1713958607</ipgapi:TransactionTime>
<ipgapi:AssociationAVSResponse>U</ipgapi:AssociationAVSResponse>
</ipgapi:IPGApiOrderResponse>
Return
The following XML document represents an example of a Return transaction using the minimum set of elements:
<soapenv:Envelope
xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:ipg="http://ipg-online.com/ipgapi/schemas/ipgapi" xmlns:v1="http://ipg-
online.com/ipgapi/schemas/v1"
<soapenv:Header/>
<soapenv:Body>
<ipg:IPGApiOrderRequest>
<v1:SubsequentTransaction>
<v1:OrderId>A-f5c5daf8-f6a2-4e38-a967-b5db8bc85a2d</v1:OrderId>
<v1:TDate>1713958607</v1:TDate>
<v1:Options>
<v1:StoreId>6273601710</v1:StoreId>
</v1:Options>
<v1:TransactionType>RETURN</v1:TransactionType>
<v1:Payment>
<v1:ChargeTotal>50</v1:ChargeTotal>
<v1:Currency>484</v1:Currency>
</v1:Payment>
</v1:SubsequentTransaction>
</ipg:IPGApiOrderRequest>
</soapenv:Body>
</soapenv:Envelope>
Please note, the transaction amount in a return or void needs to be the same as in previously approved sale transaction.
Updated about 2 months ago
