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Cancellation, tipping and merchant approved transactions

Cancellation of a Transaction​

The Processor Style Protocol includes a message which a payment terminal can send to the CM.com IPP Payments Platform to indicate that it wants to cancel a pending transaction.

After a successful authorization, a TRANSACTION_CANCEL message can be sent to the CM IPP Payments Platform, requesting the cancellation of a pending transaction. If the TRANSACTION_RESULT (0320) message has already been received, then the transaction cannot be cancelled, because it passed the Point of no return. The response to the cancellation request depends on the state of the transactions at the payment processor.

If no AUTHORIZATION_RESPONSE (0311) and therefore no transaction identifier was received, a payment terminal can still attempt to cancel a pending transaction by sending a TRANSACTION_CANCEL (0301) with the date, time and the amount of the pending transaction it wants to cancel

Cancellation flow with transaction identifier

Cancellation flow without transaction identifier

Forced finalization on the Cancellation flow

Important

  • The returned TransactionComplete message always indicates the state of the transaction, NOT the result of the cancel request. So if the cancellation fails, and the effect is that the valid transaction remains intact, the result will be SUCCESS.

  • Only when the CM.com IPP Payments Platform was able to reverse the transaction at the Payment Processor, then the TransactionComplete will have a result code indicating CANCELED

  • If a terminal has tried to cancel a transaction, but the transaction still remains SUCCESS, the merchant could decide to initiate a REFUND for that transaction.

  • A pending transaction can be cancelled, if the cancellation message is sent within 24h from the date/time of the AuthorizationRequest after which the transaction is expired, and the TRANSACTION_CANCEL (0301) message will return a result code indicating TRANSACTION_EXPIRED (0x0f02).

Tipping.​

Upon previous agreement with CM.com during onboarding, terminal integrators can enable tipping for their terminals with the CM.com IPP Payments Platform.

Should tipping be enabled, tag GRATUITY_APPROVED_AMOUNT_UNIT 5FE34C will need to be populated in the AuthorizationRequest and TransactionResult. One single amount for the transaction (Including the sum of the total and the selected tip amount) will be forwarded by the CM.com IPP Payments Platform to the financial institutions in the payment chain. It is the responsibility of the terminal integrator to keep track of the tipping amounts registered by specific merchants.

Merchant Approved Transactions.​

Upon previous agreement with CM.com during onboarding, the CM.com IPP Payments Platform supports a feature called MAT. This feature allows the terminal to process a transaction even when the network connection is unavailable, and the CM.com IPP Payments Platform cannot be reached.