In Nexo Retail protocol, a Deferred sale payment is used to separate the payment in two steps:
Before the service consumption or the goods delivery, to get the payment authorisation for a
maximum amount.At the end of the consumption or delivery, to complete the payment transaction with the actual
amount card.
Step 1 : Get a payment authorisation for a maximum amount
The Request message includes:
RequestedAmount: this data could be absent or is the maximum amount of the purchase,
PaymentType: must be “OneTimeReservation”.
Example:
<?xml version="1.0" encoding="UTF-8"?>
<SaleToPOIRequest>
<MessageHeader MessageClass="Service" MessageCategory="Payment" MessageType="Request" ServiceID="400" SaleID="SaleID20022" POIID="DEMO0001"/>
<PaymentRequest>
<SaleData SaleReferenceID="ABCD1234">
<SaleTransactionID TransactionID="4" TimeStamp="2020-05-21T14:48:05+05:00" />
</SaleData>
<PaymentTransaction>
<AmountsReq Currency="USD" RequestedAmount="80.00" />
<TransactionConditions CustomerLanguage="en" />
<SaleItem ItemID="1" ProductCode="101" ItemAmount="5.00">
<Quantity>1</Quantity>
<UnitPrice>5.00</UnitPrice>
<ProductLabel>"Regular Unleaded"</ProductLabel>
</SaleItem>
</PaymentTransaction>
<PaymentData PaymentType="OneTimeReservation" />
</PaymentRequest>
</SaleToPOIRequest>
The Response message includes:
AuthorizedAmount: the maximum amount of the purchase.
Example:
<?xml version="1.0"?>
<SaleToPOIResponse>
<MessageHeader MessageClass="Service" MessageCategory="Payment" MessageType="Request" ServiceID="400" SaleID="SaleID20022" POIID="DEMO0001"/>
<PaymentResponse>
<Response Result="Success"/>
<SaleData>
<SaleTransactionID TransactionID="4" TimeStamp="2020-05-21T14:48:05+05:00" />
</SaleData>
<POIData>
<POITransactionID TransactionID="123456" TimeStamp="2020-05-21T14:48:06+05:00"/>
</POIData>
<PaymentResult>
<AmountsResp Currency="USD" AuthorizedAmount="80.00">
<PaymentAcquirerData AcquirerID="497867" MerchantID="mer77-130209" AcquirerPOIID="456">
<ApprovalCode>032983</ApprovalCode>
</PaymentAcquirerData>
</PaymentResult>
</PaymentResponse>
</SaleToPOIResponse>
Step 2 : Complete the payment authorisation with the actual amount
The Request message includes:
RequestedAmount: this is the actual amount of the purchase,
PaymentType: must be “Completion”,
OriginalPOITransaction: this is a mandatory component of the Payment request containing the
POITransactionID component of the first Payment response with “OneTimeReservation”
PaymentType.
<?xml version="1.0" encoding="UTF-8"?>
<SaleToPOIRequest>
<MessageHeader MessageClass="Service" MessageCategory="Payment" MessageType="Request" ServiceID="401" SaleID="SaleID20022" POIID="DEMO0001" />
<PaymentRequest>
<SaleData SaleReferenceID="ABCD1234">
<SaleTransactionID TransactionID="5" TimeStamp="2020-05-21T14:52:05+05:00" />
</SaleData>
<OriginalPOITransaction SaleID="SaleID20022" POIID="DEMO0001">
<POITransactionID TransactionID="ABCD1234" TimeStamp="2020-05-21T14:48:05+05:00" />
</OriginalPOITransaction>
<PaymentTransaction>
<AmountsReq Currency="USD" RequestedAmount="64.99" />
</PaymentTransaction>
<PaymentData PaymentType="Completion" />
</PaymentRequest>
</SaleToPOIRequest>
The Response message includes:
AuthorizedAmount: the actual amount of the purchase, as in RequestedAmount.
Example:
<?xml version="1.0"?>
<SaleToPOIResponse>
<MessageHeader MessageClass="Service" MessageCategory="Payment" MessageType="Request" ServiceID="401" SaleID="SaleID20022" POIID="DEMO0001"/>
<PaymentResponse>
<Response Result="Success"/>
<SaleData>
<SaleTransactionID TransactionID="5" TimeStamp="2020-05-21T14:52:05+05:00" />
</SaleData>
<POIData>
<POITransactionID TransactionID="123457" TimeStamp="2020-05-21T14:48:06+05:00"/>
</POIData>
<PaymentResult>
<AmountsResp Currency="USD" AuthorizedAmount="64.99">
</PaymentResult>
</PaymentResponse>
</SaleToPOIResponse>