Recommend the API that suitable for pre-auth and refund money

[casandraastaseni]

Hi, i wanted to build the payment flow that need the user to pre-auth their card and do payment from the card token for next payment. Then refund the money back to user like the petrol station.

The flow is

1. Tokenize card from first payment
2. Next payment, deduct RM200 from the account by using recurring api I guess?
3. Refund Specific amount (balance) from RM200 after deduct the user price to pay

Please suggest which API that suits to this requirement or alternative api that closer to this flow?

[Kheechieng]

Hi @casandraastaseni u may look for the pre auth feature in our official API.

https://github.com/RazerMS/Documentation-RazerMS_API_Spec/blob/main/%5Bofficial%20API%5D%20Razer%20API%20Spec%20for%20Merchant%20(v13.59).pdf

[casandraastaseni]

Hi @casandraastaseni u may look for the pre auth feature in our official API.

https://github.com/RazerMS/Documentation-RazerMS_API_Spec/blob/main/%5Bofficial%20API%5D%20Razer%20API%20Spec%20for%20Merchant%20(v13.59).pdf

I want to tokenize the card because from the tokens we want to list down the cards in the apps, so they can choose which card to be used for transaction, is it possible?

[Kheechieng]

For tokenization to work u need to enable the feature by sending email to [email protected], and have the save card checkbox checked in the card number input page, once tokenization is successful a set of token will be returned in the notification URL. But if you are using hosted payment page integration or seamless integration, the list of save cards will be displayed on our page, as long as you passed the same billing name, mobile and email address in the payment request.

[casandraastaseni]

For having the checkbox checked in the card number input page, do we have way to not allow the user to unchecked it before proceed, they can cancel the process if they don't want to proceed the transaction by saving the card. Because its not convenience for the process to add and tokenized card as it might not tokenize card if user unchecked and will cause issue when done the transaction without tokenized

[Kheechieng]

Hi @casandraastaseni you may drop an email to [email protected] by requesting to remove that checkbox and get RMS to return the token by default, but with the condition that merchant side has educated and informed customers about their consent for use of their cards info in the future.

[casandraastaseni]

Hi @Kheechieng , is there any method to pre-auth the transaction (seamlessly or by api) by using existing pre-auth token without need second time user-ui interaction? I'm currently using the Recurring API but I believe that one only can directly deduct the amount from card or is there parameter that I can set like tcctype: "AUTH"? My objective is after first time pre auth the transaction with RM1, next time when my module want to charge the user we want to pre auth certain amount first, after user at final stage of the module only we absorb final amount from it.

[Kheechieng]

Hi @casandraastaseni You can actually refer to our direct server API (https://github.com/FiuuPayment/Documentation-Fiuu_API_Spec/blob/main/%5BOfficial%5D%20Fiuu%20Direct%20Server%20API%20v1.6.28.pdf), you can pass the token that you have received from the first payment and pass it under CC_TOKEN, additionally you need to pass TxnType=AUTS to indicate that it is a pre-auth transaction. But by default this will still redirect the customer to the bank's authentication page, and ask the customer to complete secureTAC challenge by the issuer bank. If you want a complete seamless experience, you will need to drop an email to [email protected] to request to enable non 3DS feature (subject to liability shift in case fraud happens) which will completely skip the bank authentication part. Also you will need to call capture request API after completing the pre auth transaction to finally deduct the amount from customers. Capture request API is documented here (https://github.com/FiuuPayment/Documentation-Fiuu_API_Spec/blob/main/%5Bofficial%20API%5D%20Fiuu%20API%20Spec%20for%20Merchant%20(v13.65).pdf)