Partial Authorization for Card Payments

Enable a merchant to recover otherwise-declined card transactions by automatically capturing the maximum available amount on the customer’s card and allowing the remainder to be paid with an alternate method.

Partial authorization lets you rescue transactions that would otherwise be rejected for “insufficient funds.” When a customer’s card doesn’t have enough balance to cover the full amount, your gateway simply approves – and captures – whatever funds are available, then asks the shopper to pay the small remainder with another card or payment method.

How it feels in practice

1. Customer taps “Pay.” - They expect the purchase to go through, but their card is short by a few dollars.

2. Gateway replies with a partial approval. - Instead of a red-letter “Declined,” the POS or checkout page shows: “141.00 EUR approved. 9.00 EUR still due.”

3. Shopper chooses a second tender. - They add a different card, wallet, or cash to clear the balance.

4. Sale completed, smile preserved. - You collect the full 150 EUR, your approval metrics stay healthy, and the customer avoids the frustration (and embarrassment) of a decline.