Partial authorization

Our system supports partial authorization for card payments. Partial authorization is a processing feature that allows a transaction to be approved for a portion of the total purchase amount when a buyer’s available funds are insufficient. Instead of a complete decline, the card issuer approves the transaction for the amount the customer does have available, allowing the customer to potentially complete the purchase by using another payment method for the remaining balance. This improves the customer experience by reducing declined transactions and increasing the likelihood of a completed sale.

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Usage

To enable partial authorization, you can pass the allow_partial_authorization to our API. This will inform the supported payment services to allow for a partial authorization.

POST /transactions

{
    "amount": 1299,
    "country": "US",
    "currency": "USD",
    "intent": "capture",
    "allow_partial_authorization": true
    ,,,
}

When a partial authorization has been made, the authorized_amount will reflect the actual authorized value of the transaction.

{
    "type": "transaction",
    "id": "8f83187d-a7fb-4e58-aece-b4bdfd622c7c",
    "reconciliation_id": "4MnoRekRSTPBpMclaqBdRk",
    "merchant_account_id": "default",
    "currency": "USD",
    "amount": 10000,
    "status": "authorization_succeeded",
    "authorized_amount": 5000,
    ...
}

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Availability

Currently, we support partial authorization on the following connectors.

• Adyen
• Checkout]
• Nuvei
• Stripe