Understand single and multiple payments

Shoppers can make a single payment with one credit/debit card or multiple payments with one or more payment options to satisfy the balance for an order. Account-based commerce buyers can select the payment methods for a specific account and site.

In single payment mode, the shopper can use a single credit or debit card and multiple gift cards and has a single invoice. When single (full) payment is required, and any part of the payment is rejected, the entire order is rejected and must be completed by the shopper with a new payment method.

In multiple payment mode, the shopper can use a combination of credit and debit cards, gift cards, cash, and invoices. If any part of the payment is rejected, the order status is changed to pending payment, or it remains in an incomplete state depending on the payment options set in the administration interface.

For more information, see Understand split payments in Extending Oracle Commerce.

To use payment modes:

1. Create an order on the customer’s behalf, add items to the cart, and select the shipping method.
2. Under Payment Details, click the Multiple Payment Options link or Single Payment Option, depending on which mode the order is currently in. By default, single payment mode is displayed and multiple payments mode is enabled.

   During order creation, you can switch from one payment mode to another; however, payment information is cleared as the default version of the Agent Console does not retain payment information.

3. For single payment, enter information for a single credit/debit card, one or more gift cards, or cash. If enabled, you can include a single invoice. Complete any additional activities for the order, and click Place Order.
4. For multiple payments, do the following:
   • Click the Multiple Payment Options link. The Payment Amount field is displayed.
   • Click the Payment Option: credit/debit card, gift card, cash, or invoice and store credit, if configured for your site.
   • In the Payment Amount field, enter the amount you want to apply using the payment option chosen.
   • Once the information is entered, click Add Payment. A line item is added above Payment Options to identify each payment made (for example, Payment 1 and Payment 2).
   • Billing addresses can be edited for each payment to allow for a different billing address for each credit card or invoice. Click Update Payment to attach a different billing address to the payment.
   • When using a gift card, click the Pay With Gift Card checkbox. Enter the gift card number in the field, and click Add Payment. The line item appears along with the list of other payments made to cover this order.
   • Make changes to the remaining payment amount and use payment options until the balance is zero.

     The system does not allow for overpayment. In this case, an error message is displayed next to the Payment Amount field.

   • Edit the amounts and payment types by using the Edit and Remove links located next to each payment. Click Edit to make amount changes or Remove to delete the payment. The Payment Amount field is updated to reflect the change or removal of the payment.
   • Make any final changes to the order items: adding, changing amounts, and removing.
   • Click Place Order. Notification is displayed to show the order has been placed successfully. On the completed order page, under Payment Details, each payment is listed along with associated billing address and any specifics about the credit or debit cards, gift cards, invoices, or cash used along with the amount for each payment. The status of the payment (for example, The Authorization is Successful) is also displayed.