Partial AFT authorizations
Cross River partners with credit card networks to offer partial authorization of AFT (pull) transactions. Should a user account have less than the transaction amount available, participating platforms authorize their approved users to transfer a part of the transaction amount instead of the full sum. The user uses a different form of payment for the remainder of the transaction amount.
Reduced NSF declines: Instead of having to decline and thereby lose the transaction, your users can still make the pull funds transaction if they have an additional form of payment.
Better consumer experience: Consumers are less embarrassed then when their card is declined. More comfortable consumers means more revenue.
Improved authorization performance: An increased approval rate improves your merchant portfolio scoring.
Currently only Visa offers partial authorizations
- Provides an alternative to a declined transaction when the available Visa card or account balance is not sufficient to approve a transaction in full.
- Improves AFT authorization performance by reducing the declines due to insufficient funds.
- This value added service comes at no cost to you.
To request partial transfer of funds, the API request for a pull transaction includes an optional field: acceptPartialAmount. This field is sent only to participating issuers.
