Partial authorization

The Dock's platform is able to offer the partial authorization of transactions. It reduces purchase withdrawals and enables greater use of the cardholder's limit/balance. This type of authorization works only for transactions carried out on the POS terminals, therefore, in physical transactions.

As a mandatory item of the card brands, all issuers need to be prepared to receive this type of event. Dock provides partial authorization for all brands.


Operation of partial authorization

In order to partially approve the authorization, the cardholder must have a limit/balance available of at least 70% of that transaction value, with regard to the acquisition control.

The flows of this type of transaction are detailed below.

Partial authorization accepted by the cardholder

FIG: Partial authorization accepted by the cardholderFIG: Partial authorization accepted by the cardholder

FIG: Partial authorization accepted by the cardholder

1 – A person makes a transaction at a merchant;
2 – The merchant passes the payment credential information and the transaction amount to the acquirer;
3 – The acquirer combines the transaction information in a message requesting authorization and passes it to the card brand;
4 – The card brand passes the authorization request to the authorizer;
5 – The authorizer receives it and validates the cardholder's balance. If there is enough partial amount, the authorizer approves the transaction informing the partial amount.
6 – The card brand forwards the response to the acquirer;
7 – The acquirer receives and asks the cardholder about proceeding with the partial authorization and approval of the transaction;
8 – The merchant passes the result of the authorization request to the person;
9 – The person decides to proceed with the partial authorization and pays the remaining amount by using cash or another card;

Partial authorization denied by the cardholder

FIG: Partial authorization denied by the cardholderFIG: Partial authorization denied by the cardholder

FIG: Partial authorization denied by the cardholder

1 – A person makes a transaction at a merchant;
2 – The merchant passes the payment credential information and the transaction amount to the acquirer;
3 – The acquirer combines the transaction information in a message requesting authorization and passes it to the card brand;
4 – The card brand passes the authorization request to the authorizer;
5 – The authorizer receives it and validates the cardholder's balance. If there is enough partial amount, the authorizer approves the transaction informing the partial amount.
6 – The card brand forwards the response to the acquirer;
7 – The acquirer receives and asks the cardholder about proceeding with the partial authorization and approval of the transaction;
8 – The merchant passes the result of the authorization request to the person;
9 – The person decides to not proceed with the partial authorization;
10 – The acquirer forwards the partial authorization cancelation;
11 – The card brand forwards the response to the authorizer;
12- The authorizer cancels the transaction partially approved.


Setup of the partial authorization

The issuer who wants to use the partial authorization must align with their commercial account manager on the interest in enabling it so that the setup, where all necessary parameterizations and tests will be performed.

If the issuer uses the external authorization, it will be necessary to adapt for processing the partial authorization and check the technical documentation, available at this link.


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