A Vantiv customer recently had this question that I expect will fast become an FAQ, so I wanted to capture the gist of the question without betraying their confidentiality.
The use case: The merchant wants to have their customer authorize a single payment via Apple Pay in-app (say for $500.00). They then want to use the Apple cryptograph generated by that single touch ID, but have Vantiv process this as multiple discrete charges for different components so that the charges show up separately on the customer invoice and credit card statement. For example, discrete entries for a damage deposit, rental guarantee, other fees, etc.
Question: How can this use case be supported with Apple Pay in-app payments and Vantiv's eCommerce payment platform?
This is an interesting question, and while this specific scenario has not yet been encountered, we did have a merchant with a somewhat similar scenario, and I think the solution will apply in this case.
The merchant’s situation was that a customer ordered 3 items, however 2 of them were back-logged. Since the crypto from the original order is one-time use only, Apple advised that the merchant could link by performing multiple partial auths & captures. This would also require the merchant to support auth reversal transactions. The scenario would play out as follows:
(1) Original Order
3 goods ($10, $30, $40); 1st one in stock, other 2 back-logged
Perform auth for the full $80
Capture for $10, and then auto reverse the remaining $70 on the auth
Merchant ships good
At this point, the merchant now has either the network token or the Vantiv token, depending upon which Apple Pay integration method they support. The merchant can use this token for subsequent transactions.
(2) Day 20, good #2 comes into inventory
Merchant auths & captures for $30 using the token
Merchant ships good
(3) Day 85, good #3 comes into inventory
Merchant auths & captures for $40 using the token
Merchant ships good
While this process involves multiple steps, it should support this specific scenario.
Thanks.
Joe