Partial Payment Information
Direct Post API

Request Details

Variable Description
partial_payments_id Unique identifier returned when making the original transaction. This should only be used for secondary transactions.
partial_payments This variable allows the following two values to be passed to it:
settle_partial: Settles any amount of tender collected (captured partial auth's and approved partial sales) at cut off.
payment_in_full: Required that any split tendered transaction is collected in-full before settlement gets initiated.
type This variable can be passed the value 'complete_partial_payment' which will complete a payment_in_full transaction that has not been collected in full. This allows industries that require payment_in_full but subsequently decide to still settle the transaction even though it has not been collected in full.

Response Details

Variable Description
partial_payment_id A numeric identifier which is used when submitting subsequent transactions.
partial_payment_balance Returns the payment's remaining balance.
amount_authorized Provides the amount that was authorized.


Example 1: In this request, if nothing more was done, a transaction for 30.00 would settle at the next cut-off.

Request ...type=sale&partial_payments=settle_partial&ccnumber=4111111111111111&ccexp=1016&amount=100.00...
Response ...response=1&partial_payment_id=123456789&partial_payment_balance=70.00&amount=30.00...

Example 2: In this request, payment_in_full was required and two transaction were collected - this transaction would settle at the next cut-off.

Request 1 ...type=sale&partial_payments=payment_in_full&ccnumber=4111111111111111&ccexp=1016&amount=100.00...
Response 1 ...response=1&partial_payment_id=123456789&partial_payment_balance=70.00&amount=30.00...
Request 2 ...type=sale&partial_payment_id=123456789&partial_payments=payment_in_full&ccnumber=4000000000000002&ccexp=1016&amount=70.00...
Response 2 ...response=1& partial_payment_id=123456789&partial_payment _balance=0.00&amount=70.00...

Example 3: In this example, payment_in_full was required and two transactions were attempted, but only one collected. The merchant decided to force it out anyways - this transaction would settle at the next cut-off.

Request 1 ...type=sale&partial_payments=payment_in_full&ccnumber=4111111111111111&ccexp=1016&amount=100.00...
Response 1 ...response=1&partial_payment_id=123456789&partial_payment_balance=70.00&amount=30.00...
Request 2 ...type=sale&partial_payment_id=123456789&partial_payments=payment_in_full&ccnumber=4000000000000002&ccexp=1016&amount=70.00...
Response 2 ...response=2&partial_payment_id=123456789&partial_payment_balance=70.00&amount=70.00...
Request 3 ...type=complete_partial_payment& partial_payment_id=123456789&partial_payments=payment_in_full&amount=70.00...
Response 3 ...response=1& partial_payment_id=123456789&partial_payment_balance=0.00&amount=70.00...

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Retail & Internet Merchant Accounts

An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.

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If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.

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Internet Payment Gateway

The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.

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