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 benefits to you 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 key advantages 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 relevant api endpoint 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 transaction management docid\ wboa2sa1cfmr2woynicv8