The Setup tab in the Payment Processing settings of the administration interface has a Payment Options drop-down that controls certain aspects of how split payments are processed in Commerce Cloud. This drop-down has two options:
Full Payment Required – This setting is the default; it should be used if your storefront uses standard payment widgets. With this setting, when an order is submitted, all of the payments are processed at the same time. If authorization for any method fails, an error is displayed, and the successful authorizations are voided. The shopper must re-enter all payments and resubmit the order. If all of the payments are successfully authorized, the order is sent to the order management system for processing.
Allow Partial Payments -- This setting should be used if your storefront uses the Split Payment widget. With this setting, when the shopper submits the order, the payments are processed in sequence, one payment at a time. The order is saved in the PENDING_PAYMENT state until the entire cost of the order has been authorized. If all authorizations succeed, the order is then sent to the order management system for processing. If any authorization fails, the successful authorizations are saved with the order. The shopper can correct the payment details, or leave the order in the PENDING_PAYMENT state and return later to specify payments for the remaining amount and resubmit the order.
For a registered shopper, partially paid orders are persisted and appear in the shopper’s order history. The shopper can retrieve a partially paid order from the list and complete it. If the Order Payment Initiated email is enabled in the administration interface, an email is sent to the shopper when the order is created. The email includes the order ID. The shopper can use this ID to help locate and retrieve the order, or supply the ID to a customer service agent, who can then complete the order in the Agent Console.
For an anonymous shopper, the shopper must complete a partially paid order before the session times out, because the shopper has no way to access the order when returning to the site later. However, if the Order Payment Initiated email is enabled, the shopper is sent an email with the order ID when the order is created, and can supply this ID to a customer service agent for completing the order.
If a partially paid order is not completed before the price hold period expires, the order is marked for cancellation and is subsequently removed. To handle the actual removal of orders, a scheduled service is run. This is the same service used in account-based commerce to remove orders that have been approved but not paid for after the specified amount of time. See Set the frequency of canceled order clean up for information about configuring this service.
Partial payments must be enabled if any of the payment methods you support requires the shopper to take action while the payment is being processed. For example, if you have a credit card gateway integration that supports 3D-Secure, when the payment is processed, the shopper must authenticate with the card provider. Enabling partial payments ensures that payments are processed sequentially, preventing the authentication pages for multiple payments from displaying simultaneously or overwriting each other.
