Partial Approval

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Overview

This topic describes how to process partial approval transactions through the Nuvei Gateway integration.

A situation may arise where a customer wishes to make a purchase or deposit while lacking sufficient funds to complete the transaction. This may be caused by an insufficient balance on a prepaid card or a lack of approval on the part of the issuing bank. In such a case for a deposit, the customer is charged for the remainder of the existing funds and the transaction is completed. If the transaction is a purchase, then the remaining part of the sum total of the transaction is required to complete the transaction; however, the total amount of the remaining sum is charged immediately.

This option is enabled by contacting customer support.

If this option is enabled, you should take the necessary steps to notify your customers of the partial approval due to their lack of funds to ensure “user-friendliness” and adherence to the applicable laws and standards governing your business.

As mentioned above, once a transaction is approved, even with less funds than needed to complete the requested deposit/purchase, the transaction for the available funds is executed and submitted for approval. If you wish to supply your customers with an option to cancel on the submitted transaction, a new reversal transaction must be implemented on your part to reimburse the funds previously charged to the customer.

This option is not available for all issuers and is only available via Nuvei Acquirer.

In addition, the merchant can ask Nuvei to configure a limitation of the partial approval requests. When the approved amount is below the minimum amount, the transaction is voided.

Payment Page Support

To activate Partial Approval on the Payment Page, please contact your account manager.

The Partial Approval feature can be activated only for merchants that are using Open Amount functionality by setting item_open_amount_1 to true. Merchants that set item_open_amount_1 to false or that are not including this parameter in their requests cannot utilize the Partial Approval feature.

Following the partial approval operation in Nuvei’s Payment Page solution, the DMN notification is triggered and the following parameters are sent with the following values:

  • isPartialApproval – 1 in case of a partially approved transaction; 0 or not present when the transaction was not approved partially.
  • requestedAmount – The original requested amount.
  • requestedCurrency – The requested currency.
  • partialApprovalStatus – PENDING, APPROVED, CANCELLED, AUTO_VOID
    • PENDING – There was partial approval and a dialogue was shown to the user to confirm or cancel.
    • APPROVED – The user confirmed the partially approved transaction.
    • CANCELLED – The user cancelled the partially approved transaction.
    • AUTO_VOID – The transaction was automatically voided because the amount was below the minimum limit.

Reversing a Partial Approval

A situation may arise where the customer is not interested in continuing with a transaction if it can only be carried out partially. Since the partial approval is authenticated automatically, it is incumbent on the merchant to be prepared for this scenario and to offer the merchant an option for the customer to back out of the transaction. The partial approval transaction cannot be reversed. Instead, it must be voided by the merchant. Therefore, merchants should provide easy options to reimburse their customer’s funds, if needed.

Once activated and a deposit transaction is partially approved, the Payment Page allows the customer to void the partially approved transaction by presenting a Confirmation dialog that also includes a “Cancel Transaction” button. The user has two minutes to decide whether to confirm the partial approval or cancel it. Clicking Cancel Transaction triggers the execution of a void transaction for the partially approved amount and currency, and a DMN is sent to the merchant. Clicking OK triggers a confirmation DMN to the merchant.

If the user does not select an option in the dialog, the transaction is approved.

Direct API Solution

The Nuvei API also offers support to the partial approval feature.