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U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
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U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

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A partial approval or authorization is the ability to partially approve a transaction. This is useful if the shopper does not have the funds to cover the entire purchase on their debit card, prepaid card, or gift card. The transaction can be partially approved and the merchant can obtain the remainder of the purchase amount in another form of payment.

For example, the shopper is making a $20 purchase. The shopper would first like to use the balance of a gift card which has $9.00 remaining. After the partial approval, the shopper can pay the remaining balance of $11.00 using a debit card, credit card, or other form of payment.

Per card brand requirements, CSDK may not assume a default for partial approval. The integrating application is required to provide a selection.



## Code samples

### CWS 

#### Request



| Property | Description |
| --- | --- |
| parameters JSONObject required | All relevant parameters for partial approval transaction processing. |
| partialApprovalAllowed string required | Partial approval indicator that indicates whether to allow partial approval or not. Valid values:<ul><li>true (Default)</li><li>false</li><li>unknown</li></ul> |

#### Response

| Property | Description |
| --- | --- |
| data JSONObject | Object holding various responses. |
| result boolean | Partial approval result PARTIALLY_APPROVED |
| balanceDue JSONObject | Balance due Holds the remainder if the total amount was not authorized. "balanceDue" : { "currencyCode" : "USD", "value" : 0.05 |


#### Example

##### Request

```json
{
 "method" : "startPaymentTransaction",
 "requestId" : "2064767805",
 "targetType" : "paymentGatewayConverge",
 "version" : "1.0",
 "parameters" : {
 "paymentGatewayId" : "badd86fe-0679-42f0-b514-759bbac3402b",
 "transactionType" : "SALE",
 "tenderType" : "CARD",
 .....
 "partialApprovalAllowed" : "true",
 .....
 }
}
```

##### Response

```json
{
 "requestId" : "2064767827",
 "statusDetails" : "REQUEST_ACCEPTED",
 "data" : {
 "paymentGatewayCommand" : {
 "completed" : true,
 "eventQueue" : [ ],
 "chanId" : "11a8c625-2fdf-4751-a250-f3361a008ceb",
 "paymentTransactionData" : {
 "result" : "PARTIALLY_APPROVED",
 "authCode" : "******",
 "date" : "Thu Mar 03 10:24:46 MST 2016",
 "cardEntryType" : "SWIPE",
 "resultMessage" : "PARTIALLY_APPROVED",
 "cardScheme" : "VISA",
 "amount" : {
 "currencyCode" : "USD",
 "value" : 2110
 },
 "id" : "030316A15-4BE7CD7D-0478-4CC0-A29D-F402406A78F3",
 "transactionType" : "SALE",
 "approved" : "yes",
 "errors" : [ ],
 "maskedPan" : "******",
 "gratuityAmount" : {
 "currencyCode" : "USD",
 "value" : 0
 },
 "signatureBitmap" : {
 "data" : "` *) !_ X ! ! (_ X ( ! ( ! ) ( ) ( ) 0 ) ( 0 0 0 0 ( 0 _7 ( _7 _/ _/ _/ _. _' _. _&__^ _&__^__^__]__^__^__^__V__^__^__^_____W _'_________ _' ! ( ( ) 1 ( ) ( 0 1 1 ( 1 0 ) 0 1 ( 1 ( 0 ) 0 ( ( ( ( ) ( ( !p`&++ ) ( ) ( ( ( ( ( _/ ( ( _/ _' _/ _/ _' _/ _& _' _& _& _' _& _&__^ _& _&__^ _&__] _&___ _& _& _&___ _& _' _' _' _/p`+'4___ _' _'_ X _' _'_ X _'_ X _'___ _' _' _'___p`.+1 _' _' _/ _' _' _' _' _' _& _' _'__^ _' _& _' _& _' _& _'__^ _& _' _' _& _'p`1*+ _'_ X_______ X _'____ X___ _'________^___ _'___ _' _' _& _' _/ _/ _7 ( ( _7 0 0 0 1 0 1 1 0 ) 1 1 ) ) * ! ! !_ Y \"_ Y_ Q_ Z_ Y_ Q_ Q_ Q_ Zp",
 "format" : "SIG_BIN_2"
 },
 "tenderType" : "CARD",
 "balanceDue" : {
 "currencyCode" : "USD",
 "value" : 5
 }
 }
 }
 }
}
```

### Java 

#### Enable partial approval

```java
ECLCurrencyTransactionInterface transaction = account.getTransactionProcessor().createSaleTransactionWithSubtotal(amount);
// partial approval checkbox selected
if (getCardTransactionPropertiesDialog.isPartialApprovalAllowed())
{
 transaction.setIsPartialApprovalAllowed(ECLTriState.YES);
}
...
account.getTransactionProcessor().processTransaction(transaction, cardTenderInterface, transactionListener);
```

If a partial approval took place, the `ECLTransactionOutcome` object will have the following characteristics:

- result will be PARTIALLY\_APPROVED
- `amountRequested` will reflect the amount that was specified in the original transaction request
- `amountAuthorized` will reflect the amount that was actually charged against the card
- `balanceDue` will reflect the difference between `amountRequested` and `amountAuthorized`

### Objective-C

#### Enable partial approval 

Using the same code from the Sale transaction with a card tender, the only addition we need to do before processing the transaction is:

```objc
...
id<ECLCurrencyTransactionProtocol> transaction = [account.transactionProcessor createSaleTransactionWithSubtotal:amount];
// switch in POS application
ECLTriState isPartialApprovalAllowed = _partialApprovalSwitch.isOn ? ECLTriState_Yes : ECLTriState_No;
[transaction setIsPartialApprovalAllowed:isPartialApprovalAllowed];
...
[account.transactionProcessor processTransaction:transaction using:tender delegate:delegate];
```

If a partial approval took place, the transaction outcome will have the following characteristics:

- result will be PARTIALLY_APPROVED
- `amountRequested` will reflect the amount that was specified in the original transaction request
- `amountAuthorized` will reflect the amount that was actually charged against the card
- `balanceDue` will reflect the difference between `amountRequested` and `amountAuthorized`


### C\# 

#### Request

```c#
PaymentArgs bea = new PaymentArgs();
...
bea.isPartialApprovalAllowed = "true";
...
m_CWS.StartPaymentTransaction(bea, MyNotifyCWSEvent, MyPaymentComplete)
```

#### Response

```c#
 public void MyPaymentComplete(PaymentTransactionResults ber)
 {
 PaymentTransactionData betd = ber.PaymentTransactionData;
 if (null != betd)
 {
 if ((null != betd.approved)
 && (betd.approved.Equals("yes")))
 {
 Money due = betd.balanceDue; /* Is there a balance due? */
 if ((betd.result.Equals("PARTIALLY_APPROVED"))
 && (null != due))
 Log(String.Format("balanceDue {0}", betd.balanceDue.getAmountInMinorUnits()));
```

If a partial approval took place, the transaction outcome will have the following characteristics:

- result will be PARTIALLY\_APPROVED
- `amountRequested` will reflect the amount that was specified in the original transaction request
- `amountAuthorized` will reflect the amount that was actually charged against the card
- `balanceDue` will reflect the difference between `amountRequested` and `amountAuthorized`

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