The issuing bank can approve a partial amount if the balance on the debit card is less than the requested transaction amount.

Services

Supported service(s):
  • PIN debit purchase

Using the Partial Authorization Feature: Opting In

  1. Before you can process partial authorizations, you need to opt in using one of the following methods:
    • To enable all your PIN debit purchase requests for partial authorizations, call
      Cybersource
       customer support to have your account enabled for partial authorizations.
    • To enable only a specific transaction for partial authorization, set
      pinDebitPurchaseService_partialAuthIndicator
       to
      true
       in your PIN debit purchase request.

    ADDITIONAL INFORMATION

    When your account is enabled for partial authorizations, you can disable partial authorization for a specific transaction by setting
    pinDebitPurchaseService_partialAuthIndicator
     to
    false
     in your PIN debit purchase request.

How a Partial Authorization Works

When the balance on a debit card is less than the requested transaction amount, the issuing bank can approve a partial amount. The issuer must decide whether or not to approve a partial amount. In these cases, you can accept multiple forms of payment for the order starting with some or all of the approved amount followed by one or more different payment methods:
  1. If your account is not configured for partial authorizations, you must enable partial authorizations for the transaction by setting
    pinDebitPurchaseService_partialAuthIndicator
     to
    true
     in your request.
  2. You submit a PIN debit purchase request.
  3. The response message includes:
    • pinDebitPurchaseReply_requestAmount
      , which includes the amount you requested.
    • pinDebitPurchaseReply_requestCurrency
      , which includes the currency for the amount you requested.
    • pinDebitPurchaseReply_amount
      , which includes the amount that was authorized.
    • purchaseTotals_currency
      , which includes the currency for the amount that was authorized.
    • requestID
      , which includes the value you can use to link this PIN debit purchase request to subsequent transactions.
  4. You use one or more different payment methods for the rest of the order amount.