Partial approval

Partial approval is a situation when a transaction is authorized by an issuer for an amount lesser than the one requested. This could happen when a cardholder doesn't have sufficient funds in the account to cover the entire purchase amount and the merchant is capable (indicated by a flagging in the authorization request) of handling the partially approved transaction. In this case, the transaction will be approved for the available funds, and cardholder can then choose to use another form of payment (such as a different card, cash, or a separate payment method) to cover the remaining balance.

Flag partial approval

While initiating a create payment request, set the flag allowPartialApproval to "true" to indicate that you are OK and equipped to handle the partial approval of requested amount. If the condition(s) for the partial approval of the requested amount is met, Issuer could approve so.

In the response, you shall always look at the

• responseCodeCategory with value "PARTIALLY_APPROVED" and

• totalAuthorizedAmount object to know the actual authorized amount and decide on the next course of action on your platform.

Also ensure that you capture only the amount that is authorized not the amount that you have submitted in the authorization request.