Split Payment

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 benefits of split payments 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 upstart commerce split payment functionality 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 example c heckout flow for split payments 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 and capture process 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 docid\ nh2s941tt agihdnlvcxx 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