One of the great features ProPay offers Payment Facilitators is the ability to "split" a portion of the funds from a card transaction to another ProPay Account. This is perfect for convenience fee merchants, or to provide a way for Payment Facilitators to collect their fees. SplitPay causes that a portion of funds collected as part of a credit or debit card transaction is moved from the original processing account to a second ProPay account at the time the transaction is "settled" to the first. A second transaction is created at that time, but the cardholder only sees an authorization that takes place to move money from his or her credit card to the account of the original merchant. (The merchant sees both transactions.)
ProPay does not require that you pre-configure a split amount, or do any setup prior to making the SplitPay call. Instead, you are given the flexibility of specifying the amount when you instruct our system to provision the split. You do so by specifying both the SplitPay destination account number, and the amount of the secondary transaction. This flexibility is only subject to the limitation defined by original transaction amount less ProPay's own processing fees.
The most challenging aspect of your creating a SplitPay program will be how you deal with the eventual need to handle refunds, voids, and the chargebacks that will inevitably occur.
Your sales representative can provide you with advice on how to handle SplitPay reversals. Because there are several nuances to this, we ask that you reach out and consult prior to our offering up the appropriate API methods associated with what you intend to accomplish.
There are a few ways to implement SplitPay in your transaction flow, and the mechanism you use will depend greatly on the interfaces you initially use to process credit and debit card transactions. Here are some of the most common approaches to implementing SplitPay:
|accountNum||accountNum||Integer||Required||ProPay account identifier. This is the "from" account and the account upon which the cc transaction was initially performed.|
|recAccntNum||recAccntNum||Integer||Required||ProPay account identifier. This is the account to which the split will be sent when the transaction settles.|
|amount||amount||Integer||Required||The amount to be split off to the secondary account when the transaction settles.|
|transNum||transNum||Integer||Required||ProPay transaction identifier. It is when this transaction settles that the timed pull will occur.|
|invNum||invNum||String||50||Optional||Optional Invoice Number for external tracking.|
|comment1||comment1||String||120||Optional||Optional Comment Line 1.|
|comment2||comment2||String||120||Optional||Optional Comment Line 2.|
|status||String||The transaction Status Response.
See Protectpay Appendix for possible returned messages.
|transNum||Integer||Transaction identifier for the recipient's account.|
|Data from ProPay, Inc PCI documentation.|