Online Payments / Payment Features / Partial Payment

Partial Payments

In the most common use case, the merchant creates a payment that the customer uses to pay for the order in full, using a single payment method.

Partial payments allows the customer to pay for the order in full by using a combination of:

• one or more gift cards, and
• a single non-gift payment method, such as card, to pay for the remaining amount.

With this approach, fulfillment of the to-be-paid amount can be divided over multiple transactions, i.e., one or more gift card transaction(s), and one transaction for the remaining amount using one of the other available payment methods.

Support for partial payments is available on our landing page. Alternatively, merchants can modify their own payment page to add partial payments support.

Using the CCV Landing Page

CCV takes care of the entire partial payment process on the landing page:

• Allowing the customer to add/remove one or more gift cards.
• Performing the corresponding validation and informing the customer of the result.
• Showing the remaining amount to be paid after adding each gift card.
• Allowing the customer to select a payment method to pay for the remaining amount if not yet fully covered by gift card(s).
• Claiming the added gift card(s) after payment of the remaining amount.

Furthermore, we also implement measures to meet the legal requirements regarding gift cards, as mandated by the Anti-Money Laundering Authority (AMLA).

See the screenshots below for an impression on the landing page with partial payment support.

Custom Merchant Implementation

If a merchant does not want to use the CCV landing page, they can modify their own payment page to add support for partial payments. Note that this requires the merchant to implement the logic otherwise handled by the landing page, such as adding/removing gift cards, validation, claiming, remaining amount calculation, and AMLA compliance.

The following two sections offer a high-level explanation on two possible approaches on how a merchant’s own payment page can be integrated with our partial payment process, without using the CCV landing page.

Customer adds gifts using CCV gift payment page

1. Merchant creates a new payment of type gift with the requested amount.
2. Merchant redirects the customer to the payUrl of the created payment.
3. Customer can then select a gift card brand, enter the code, and (partially) pay using the added gift card. The actual approved amount will be returned to the merchant in the details of the transaction.
4. Merchant can then choose to, either:
   1. Create a new payment of, for example, type card with the remaining amount to be paid.
   2. Allow the customer to add another gift card to further reduce the remaining amount.

Customer remains on merchant’s page

1. Customer inputs gift code on the merchant’s payment page.
2. Merchant sends a gift payment validate request, including the total payment amount, gift card code, and a by CCV supported gift card acquirer.
3. Merchant receives a response including the approved amount.
4. Merchant can then choose to:
   1. Create a new payment of, for example, type card with the remaining amount to be paid.
   2. Allow the customer to add another gift card to further reduce the remaining amount.

Claiming the gift card(s) can be done whenever the merchant wishes to do so during the payment process, by sending a gift payment request, including the gift code and the corresponding approved gift amount as received earlier in the response to the validate request. Note that doing so will immediately result in the remaining amount on the gift card being reduced accordingly.

Requirements

• The merchant must be enrolled for the brand of gift card with the gift acquirer (for example CONNECT).
• The merchant has an active and correctly configured gift config.
• The merchant gift method config has partial payments enabled.
• To use the landing page: the merchant has enabled method landingpage, which serves as a nexus for payment method selection but also for partial payments.

Gift Card Brands

In order for a customer to know which gift cards can be used, we display the name and a corresponding image (if present) of the brand(s) on the gift payment or landing page. A customer must select a gift card brand before proceeding to claim a gift card.

A merchant who wishes to make use of gift cards must be enrolled for these brands with a gift acquirer supported by CCV. This is then configured and these subscribed brands can then be retrieved via /method. A merchant can thereby also display all supported brands by name and as images on a webshop page, before optionally redirecting the customer to one of the CCV payment pages.

Payout process

Payment method Gift is not a “collecting” payment method. This means that the amount will not be paid out by CCV, but directly by the issuer of the card to the merchant. However, the method selected to cover the remaining amount can be “collecting”. For example, for a transaction using the CCV landing page when a customer chooses to:

• pay via credit card, there is no choice but to pay for the whole amount, and that amount is collected and paid out.
• pay via PayPal, there is no choice but to pay for the whole amount, and that amount is not collected or paid out as PayPal is not a collecting method.
• add a gift card with a value equal to or higher than the request amount, the whole amount is covered and none is collected or paid out by CCV, but by the issuer.
• add one or more gift cards with a combined value lower than the request amount, and then uses a collecting credit card brand to pay for the remaining amount, only the remaining amount is collected and paid out.
• add one or more gift cards with a combined value lower than the request amount, and then uses iDeal to pay for the remaining amount, only the remaining amount is collected and paid out.

Detailed Use Cases

Partial Payment using the CCV Landing Page

This example is based on a landing page payment. The customer will use a gift card to partially pay the requested amount, and iDeal to pay the remaining amount.

1. You initiate a new payment of type landingpage

   {
       "amount": 34.56,
       "currency" : "eur",
       "method" : "landingpage",
       "returnUrl" : "https://shop.merchant.com/return?order=123456",
       "merchantOrderReference" : "123456",
       "description" : "Order 123456",
       "language" : "nld",
       "billingAddress": "Westvoortsedijk",
       "billingCity": "Arnhem",
       "billingState": "GE",
       "billingPostalCode" :"6827 AT",
       "billingCountry": "NL",
       "billingHouseNumber": "55"
   }
   

2. CCV Pay responds with a generated transaction containing a unique payUrl.

    {
        "language": "nld",
        "method": "landingpage",
        "currency": "eur",
        "billingAddress": "Westvoortsedijk",
        "billingPostalCode": "6827 AT",
        "billingCity": "Arnhem",
        "billingState": "GE",
        "billingCountry": "NL",
        "created": 1610111865939,
        "merchantOrderReference": "123456",
        "lastUpdate": 1610111865939,
        "returnUrl": "https://shop.merchant.com/return?order=123456",
        "reference": "L210108141745898CB87E182.2",
        "billingHouseNumber": "55",
        "cancelUrl": "${baseUrl}/card/cancel/merchant?reference=L210108141745898CB87E182.2",
        "amount": 23.45,
        "payUrl": "${baseUrl}/landingpage/payment.html?reference=L210108141745898CB87E182.2",
        "description": "Order 123456",
        "status": "pending",
        "type": "sale"
    }
   

3. You redirect the customer to the payUrl, which results in the landing page. Here the option to use a gift card is shown.

4. The customer selects the option to use a gift card to pay for part of or the whole payment amount. The balance will be subtracted after the gift card is validated and its current balance is retrieved.

5. The customer selects the brand of the gift card and enters the code. Depending on the brand, the code might be subjected to format validation. The customer can then submit the code and claim the gift card in order to subtract its remaining balance from the payment amount.

6. If the gift card was applied successfully, the customer either will be:
   1. redirected to the returnUrl if the balance of the gift card was equal to or higher than the payment amount, or
   2. shown the updated remaining amount to be paid, with the option to add another gift card or select a payment method to pay for the remaining amount.

If the gift card cannot be applied (locked, expired, having no remaining balance, ...) or cannot be applied for the full remaining amount on the gift card (AMLA restriction), a corresponding message will be shown to the customer, and the remaining payment amount will not be reduced in case of the former, or only partially in case of the latter.

7. Assuming the payment was not fully fulfilled using the gift card, the customer finalises the payment by selecting a payment method for the remaining amount shown.

8. The customer is redirected to the payment form of the selected payment method, where after completion the customer is redirected to the returnUrl.

9. You can check the status of the payment by Reading the Transaction. If the payment succeeds, the transaction is updated with status success.

   {
     "language": "nld",
     "method": "landingpage",
     "currency": "eur",
     "billingAddress": "Westvoortsedijk",
     "billingPostalCode": "6827 AT",
     "billingCity": "Arnhem",
     "billingState": "GE",
     "billingCountry": "NL",
     "created": 1610111865939,
     "methodTransactionId": "test-e1ebc659-1d60-492c-a8ca-93f79327e4fe",
     "paidout": "no",
     "merchantOrderReference": "123456",
     "lastUpdate": 1610111919539,
     "returnUrl": "https://shop.merchant.com/return?order=123456",
     "reference": "L210108141745898CB87E182.2",
     "billingHouseNumber": "55",
     "entryMode": "ecom",
     "amount": 23.45,
     "description": "Order 123456",
     "status": "success",
     "type": "sale"
   }