The Pre-Pay transaction scenario for EV charging enables a customer to pay in advance for the electricity they plan to use when charging their electric vehicle. The transaction amount is calculated based on the amount of time or number of kilowatts (kW) the customer chooses at the start of the charging session. When the final cost of the charging session is less than the estimated amount, an automatic, host-generated partial reversal request is sent at the time of capture.

Pre-Pay Transaction Workflow

The Pre-Pay transaction workflow for EV charging typically consists of this sequence of events:

The customer chooses the amount of time or number of kW to charge their electric vehicle and presents a payment method to pre-pay for the EV charging session.
The charging session transaction amount is calculated by the EV charging payment system using the amount of time spent charging or number of kW chosen.
The authorization request is sent to the issuing bank.
The issuing bank approves the transaction and sends an authorization response. A temporary hold for the authorized amount is placed on the customer's payment method.
The EV charging session starts. To add more time or kW, the customer must start a new charging session.
The EV charging session ends when the customer's chosen amount of time or number of kW is reached. If the charging session ends before the chosen amount of charging is achieved, an automatic, host-generated partial reversal request is sent for the unused transaction amount.
A capture request for the final transaction amount is sent to the issuing bank. When the final cost of the charging session is less than the estimated amount, an automatic, host-generated partial reversal request is sent at the time of capture.

The Post-Pay transaction scenario for EV charging enables a customer to pay for the electricity they use to charge their electric vehicle when the charging session ends. The final transaction amount is calculated based on the amount of time or number of kilowatts (kW) used during the EV charging session.

Figure:

The Post-Pay transaction workflow for EV charging typically consists of this sequence of events:

The customer can choose a specific amount of time or the number of kilowatts (kW) to charge their electric vehicle or can start a charging session for an unspecified amount.
The customer presents a payment method to pay for the EV charging session.
The EV charging session starts.
The EV charging session ends when the customer's chosen amount of time or number of kW is reached, the battery is fully charged, or the customer manually stops the charging session.
The charging session transaction amount is calculated by the EV charging payment system using the amount of time spent charging or the number of kW consumed.
A sale request is sent to the issuing bank.

The Flexible transaction scenario for EV charging enables an efficient and customer- and merchant-friendly solution for EV charging transactions. The transaction amount is calculated based on the amount of time or number of kilowatts (kW) used during the EV charging session. This transaction scenario has implementation prerequisites. For more information, see Prerequisites for the Flexible Transaction Scenario.

The Flexible transaction scenario offers these features and benefits:

A key features of the Flexible transaction scenario is the

dynamic adjustment capability

. When the EV charging session costs more than the initially estimated amount, an incremental authorization request is sent to obtain the additional transaction amount. A merchant can send multiple incremental authorization requests during the charging sessions to increase the charging transaction amount. When the final cost of the charging session, including incremental authorizations, is less than the estimated amount, an automatic, host-generated partial reversal request is sent at the time of capture.

The Flexible transaction workflow for EV charging typically consists of this sequence of events:

The customer presents a payment method to start a charging session at an EV charging station.
The charging session transaction amount is calculated using the amount of time spent charging or number of kW chosen.
The authorization request is sent to the issuing bank.
The issuing bank approves the transaction and sends an authorization response. A temporary hold for the authorized amount is placed on the customer's payment method.
The EV charging session starts.
The final transaction amount is calculated by the EV charging payment system based on the charging time or kW consumed. When the transaction amount is more than the initially authorized amount, an incremental authorization is sent to the issuing bank for the difference between the two amounts.
The issuing bank approves incremental authorization request, when applies.
The EV charging session ends when the battery is fully charged or when the customer manually stops the charging session.
A capture request for the final transaction amount is sent to the issuing bank. When the final cost of the charging session, including any incremental authorizations, is less than the estimated amount, an automatic, host-generated partial reversal request is sent at the time of capture.

To implement the Flexible transaction scenario for EV charging, your payment system must have these prerequisite capabilities: