Payment Processing
...
Payment Processing Stages
Set Payment
Split Payment
6min
Split payments allow customers to settle a single order using multiple payment methods. This provides flexibility and convenience, enabling them to:
- Utilize various payment sources like credit cards, gift cards, or loyalty points.
- Manage spending across different accounts.
- Make larger purchases by combining available balances.
- Take advantage of promotions or rewards offered by specific payment methods.
- Increased Customer Satisfaction: Offering split payments enhances the shopping experience by catering to diverse financial preferences.
- Boosted Sales: Customers are more likely to complete purchases with flexible payment options, potentially increasing average order value.
- Improved Conversion Rates: Split payments can encourage customers to finalize transactions they might otherwise abandon due to insufficient funds in a single payment source.
Currently, UpStart Commerce supports two split payment methods:
- Synchrony: Often used for financing purchases of specific items.
- Cybersource (Credit Card): Ideal for processing standard credit card transactions, typically used for taxes and shipping.
- Customer Adds Items: The customer selects their desired items and proceeds to checkout. The total cost, including taxes and shipping fees, is displayed.
- Payment Method Selection: During checkout, the customer chooses between normal or Split Payment.
- A disclaimer is displayed for split payments: "For split payments: Item cost via Synchrony and taxes and shipping via Cybersource." This clarifies how the cost will be divided.
- Split Payment Selection: If the customer chooses "Split Payment," they will:
- Provide details for both Synchrony and Cybersource (credit card) payment methods.
- Click "Continue" to proceed with the transaction.
Authorization Process
- Authorization: Once payment details are submitted, the system attempts to authorize all payment methods simultaneously.
- Authorization Failure: If authorization fails for any payment method:
- The authorization for all other methods is reversed.
- The customer receives messages indicating the authorization failure for the specific payment and the overall authorization reversal due to the failed attempt.
- Successful Authorization: If all payment methods are authorized successfully, the system attempts to capture the authorized amounts.
Capture Process
- Capture: The system attempts to capture the authorized amounts from each payment method.
- Capture Failure: If capturing an amount from a specific payment method fails:
- The system reverses any successful captures from other payment methods.
- The customer receives messages indicating:
- The failed capture for the specific payment method.
- The reversal of any successful captures from other payment methods.
- No actual refund is processed, as the funds were never fully charged to the customer's account.
- Order Details: Within the order details, each payment method used in the split payment will be displayed with its respective status (authorized, captured, refunded, etc.).
- Cancellation: If an order requires cancellation:
- All authorized payments will be reversed.
- Any captured amounts will be refunded.
- Synchronization: Synchronization occurs independently for each payment method used in the split payment transaction.