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The 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 allow_partial_authorization to the API. This informs the supported payment services to allow for a partial authorization.
When a partial authorization has been made, the authorized_amount reflects the actual authorized value of the transaction.
Always check the authorized_amount to confirm the actual authorized amount for a transaction.

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Availability

Currently, partial authorization is supported on the following connectors. On these connectors, Apple Pay and Google Pay payments are processed as card payments, so they send the same partial authorization request as a card. Whether the issuer approves a partial amount depends on the payment service, the issuer, and your account with the payment service.
Please note that support for partial authorization might need to be enabled on your account. When using the partial_authorization property, any connection without support for partial auth is ignored.