When a consumer has insufficient funds available for a purchase, whether due to a credit limit, use of a gift card, or other reason, you can use a partial authorization to gain an approval for a portion of the funds, adding to revenue by reducing Insufficient Funds declines.
This allows merchants to then request a secondary payment method from the consumer, or in some cases, settle for the reduced amount to extend the lifetime value of the customer.
To allow a partial authorization, set the <allowPartialAuth > element to true in the Authorization or Sale transaction. If the issuer approves the transaction for an amount less that the full requested amount, the response message includes the <approvedAmount> element indicating the amount of the partial approval.
In addition, the reason Response Code in the message will be 010 - Partial Approved.
More detailed is provided the LitleXML Reference Guide.
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