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About Split Transactions and Partial Authorizations

Split Transactions

Certain merchants will allow split transactions, which is when partial payment is made with a PEX Card and the balance is paid in cash or with a second card. If a cardholder wishes to conduct a split payment, and the merchant allows it, the cardholder can tell the cashier the amount they would like charged to their PEX Card. This will prevent the transaction from being declined due to insufficient funds.

Partial Authorizations

If a cardholder does not have enough funds to cover the full transaction amount and the merchant supports the functionality, PEX will return an authorization response with an approval for a portion of the original transaction amount which is equal to the card account available balance. The remainder of the transaction amount can be paid using cash or a second card.

You can tell if a partial authorization has taken place by looking at the card account transaction details. A partial authorization will have different amounts shown for the "Origin Amount" and the "Authorization Amount". The "Origin Amount" is the full amount of the purchase as requested by the merchant. The "Authorization Amount" is the approved (partial) amount returned to the merchant.  

The merchant may chose to decline the transaction, or the cardholder may tell the merchant they do not want to use a second form of payment to complete the transaction.  If this is the case, the merchant is required to send a message to PEX to cancel the transaction.  Until that happens, those funds in the card account are being held as a pending transaction.

If the merchant does not cancel the transaction immediately and you want the cardholder to complete the purchase, fund their card for the total purchase amount.  If the merchant has not canceled the transaction in one hour and you want to have the hold released, please call Client Services at 1-866-685-1898 and provide the cardholder name and merchant name for that transaction.

 

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