Partial Approval Transactions involve one or more pre-paid credit cards and a balance due that needs to be paid by another tender type. Therefore any transaction involving Partial Approval can be quite different from standard transactions involving single credit/debit/gift/loyalty cards.
The scenarios listed below were designed to illustrate the amounts being processed through the terminal. Each scenario contains two examples:
● Part A: using one pre-paid credit card and one other credit card. A Moneris Loyalty Card was also used - to keep it simple, points ratio is 1 to 1.
● Part B: using two pre-paid credit cards and one debit card.
In this scenario, the cardholder is making a purchase for a total of $75.00
Part |
Total Transaction Amount Due |
Card One Type and Payment Amount |
Card Two Type and Payment Amount |
Card Three Type and Payment Amount |
Moneris Loyalty Card - Points Added |
A |
$75.00 |
Pre-paid Credit Card: $25 |
Credit Card: $50 |
N/A |
75 |
B |
$75.00 |
Pre-paid Credit Card: $25 |
Pre-paid Credit Card: $35 |
Debit Card: $15 |
N/A |
After the first pre-paid credit card is used, the terminal continues to prompt for payment until the total amount due is charged. Part A requires two cards to be charged. If the cardholder also has a Loyalty Card, they can add points at the end of the purchase by following the Loyalty Purchase guidelines. Part B requires three cards to be charged.
In this scenario, the original Partial Approval Purchase transaction (using the Purchase example above) was entered incorrectly and needs to be voided.
Part |
Total Transaction Amount to be Voided |
Card One Type and Payment Amount |
Card Two Type and Payment Amount |
Card Three Type and Payment Amount |
Moneris Loyalty Card - Points Voided |
A |
$75.00 |
Pre-paid Credit Card: -$25 |
Credit Card: -$50 |
N/A |
- 75 |
B |
$75.00 |
Pre-paid Credit Card: -$25 |
Pre-paid Credit Card: -$35 |
Debit Card: -$15 |
N/A |
Unlike a regular Correction transaction (which requires a single card being voided for a single amount), the Partial Approval Correction requires one void for each card used in the transaction. For Part A, two credit card voids were performed. Once the transaction is completely voided, a separate Loyalty Refund will also be required. Part B required three separate voids to correct the transaction.
In this scenario, the cardholder has changed their mind and returned their purchase (using the Purchase example above) for a full refund.
Part |
Total Transaction Amount to be Refunded |
Card One Type and Payment Amount |
Card Two Type and Payment Amount |
Card Three Type and Payment Amount |
Moneris Loyalty Card - Points Refunded |
A |
$75.00 |
Pre-paid Credit Card: -$25 |
Credit Card: -$50 |
N/A |
- 75 |
B |
$75.00 |
Pre-paid Credit Card: -$25 |
Pre-paid Credit Card: -$35 |
Debit Card: -$15 |
N/A |
Unlike a regular Purchase Refund transaction (which requires a single card being refunded for a single amount), the Partial Approval Refund may require one refund for each card used in the transaction (based on the cardholder's requirements). For Part A, two credit card refunds were performed. Once the transaction is completely refunded, a separate Loyalty Refund will also be required. Part B required three separate refunds to correct the transaction.
In this scenario, the cardholder has changed their mind about one of the pre-paid credit cards used, and returned a portion of their purchase (using the Purchase example above) for a refund onto the pre-paid credit card.
Part |
Total
Amount of |
Card One Type and Payment Amount |
A |
$25.00 |
Pre-paid Credit Card: -$25 |
B |
$35.00 |
Pre-paid Credit Card: -$35 |
Unlike a regular Purchase Refund transaction (which requires a single card being refunded for a single amount), the Partial Approval Refund may require one refund for each card used in the transaction (based on the cardholder's requirements). For Parts A & B, one pre-paid credit card refund was performed. The rest of the transaction remained intact.