Example: Credit card payment with single release but payment fails
A customer places an order for three items that total 300 USD. All items are available for shipment. The customer uses a credit card (brand X) to pay for the whole order. The credit card is denied. The Customer Support Representative contacts the customer and corrects the expiration date of the credit card. Because the payment rule used does not require payment action during validation, the error is not discovered until payment reservation, after which time the edit occurs.
The merchant uses the No Validation with Approval on Reservation payment rule (DNE, Approved, Deposited).
At primePayment (order capture): The Payment Rules order amount is 300 USD and the initial amount is 300 USD. The payment instruction is to use the payment method of credit card brand X and amount of 300 USD. The validation, reservation, and finalization amounts are as shown:
Validation amount Reservation amount Finalization amount 300 0 0 Back-end system: At the payment back-end system, there is no amount directly deposited without approval or deposited for this payment.
Amount approved Amount deposited - - At ReservePayment (release to fulfillment): A release is created (release A). The payment instruction is to use the payment method of credit card brand X and amount of 300 USD. The validation, reservation, and finalization amounts are as shown:
Validation amount Reservation amount Finalization amount 300 0 0 The release is: total (300), reserved (0), finalized (0).
Back-end system: At the payment back-end system, there is no amount approved or deposited. The amount failed is 300 USD.
Amount approved Amount deposited Amount failed 0 0 300 An edit takes place to change the payment instruction information for the order and correct the expiration date. A payment action is not executed because the release already exists. A ReservePayment action occurs again, this time using the revised payment information.
Validation amount Reservation amount Finalization amount 300 300 0 The Payment Rules release is: total (300), reserved (300), finalized (0).
Back-end system: The amount approved is 300 USD and nothing is deposited. For purposes of capturing funds, the amount captured is 0; however, the amount associated with the failure is 300 USD.
Amount approved Amount deposited Amount failed 0 0 300 300 0 0 At finalizePayment (shipping): The payment instruction is to use the payment method of credit card brand X and amount of 300 USD.
Validation amount Reservation amount Finalization amount 300 300 300 The Payment Rules release is: total (300), reserved (300), finalized (300).
Back-end system: The amount approved is still 300 USD and the amount deposited is 300. The amount failed was 300 but is now 0.
Amount approved Amount deposited Amount failed 0 0 300 300 300 0 (C) Copyright IBM Corporation 1996, 2006. All Rights Reserved.