Use of multiple payment methods to pay for a single item

Definition

This action involves using multiple payment methods to settle the whole cost of a single OfferItem/OrderItem through as single payment transaction; for instance paying for an OrderItem using part in Cash and part in Card, or using 2 different cards.

Overview

This use of multiple payment methods capability is an option the airline may want to support and to propose to the seller. It is part of the Payment Catalogue and tells for each Payment method what are the other Payment methods combinable with it.

When necessary the seller can use a payment simulation listing the different payment methods he intends to use with the respective amounts, to receive a detail of what will be the final cost of this payment transaction if any payment surcharge applies. This action is optional but would make sense in the case one or several payment methods to be used are cards and may be subject to payment surcharges.

Finally, the seller commit to a payment transaction that consists of multiple payment methods. This is seen as a single payment transaction meaning that is a payment method transaction fails, the whole payment transaction fails. The seller indicates the list of all payment methods with their respective amount that includes any payment surcharge.

Payment Catalogue and Combinable Payment Methods

The Payment Catalogue informs Sellers about which Payment Methods the airline accepts. It may also provide processing requirements, applicable surcharges, and the combinability of multiple Payment Methods during single transaction. If payment method can be combined with others, the airline indicates for each Payment Method the list of other Payment Methods combinable with it. It allows an Airline to manage the combinable Payment Methods with a detailed granularity.

In the following example, all the payment methods referring to the same GroupID are combinable.

More details can be found in Payment Catalogue.

Payment Simulation

Payment Simulation is an optional step that can be called at any step of the prime flow starting from OfferPriceRQ, and servicing flow starting form OrderReshopRQ. It allows a Seller to simulate a payment transaction with several Payment Methods providing the airline supports the payment with multiple Payment Methods capability.

The Airline may support multiple simulation requests simultaneously and may offer this functionality alongside other ongoing processes (i.e committing payment for OrderItem1 and simulating payment for OrderItem2).

1. Seller sends a payment simulation providing the OfferItem(s)/OrderItem(s) and the amount to be paid with each payment method. There can be a single or several payment methods involved.

2. Airline responds with simulation result indicating for each payment method the final amount to be paid (that includes any payment surcharge when applicable).

In the following example, the seller receives a simulation summary for OfferItem1 100EUR to be paid 20EUR in Cash and 80EUR in CCVI.

More details can be found in Payment Simulation.

Payment Processing

An Airline may accept multiple Payment Methods during a single payment transaction to pay for a single OfferItem/OrderItem.

1. A Seller attempts to pay for an OfferItem/OrderItem.

   1. Providing a payment intent using several payment methods

   2. the amount for each payment method (payment surcharge included) - the amount may be provided by an Airline in the simulation summary

2. The airline processes the payment method transactions sequentially to finalize the overall payment transaction. Payment is confirmed only if all Payment Method transactions succeed; otherwise, the entire payment transaction fails.

Seller receives a view of the confirmed OrderItem with payment confirmation success and payment method transaction details if applicable

In the following example, the airline returns a payment confirmation corresponding to a commitment of the seller to pay for OrderItem1 100EUR with 20EUR in Cash and 80EUR in CCVI for which he did a simulation and the simulation returned 82EUR including surcharge for the use of CCVI.

Request:

Response:

It is also possible to accept multiple Payment Methods during a single payment transaction to pay for multiple OfferItems/OrderItems. Here an example of instant payment.

Request:

Response: