Taking extra payments after the original (AP)

[TraceyHand]

I need to take an extra payment from a customer who has added something to their order.
Checked the KB and found THIS (Ed: this article has since been updated, so the following discussion is slightly mis-leading up to the point that Chris Dicken posts)

Not good...and it's the same whatever version or method you use, it seems.
DOCUMENTED HERE

So, my question for Actinic is, is this being looked into?
It's a pretty basic feature of most payment processors as customers DO often decide to add items to an order or even just for additional shipping or whatever.

I don't want to have to call them for card details. In their eyes, they've given them to me once already!

Is it something that is likely to be introduced?

[Darren B]

Definately a feature i would like aswell. So many times i get people emailing me asking to add something to an order and i have to go throught the process of calling them and explaining why we cant e.t.c

[grantglendinnin]

Although you can with Protx - I assume the same goes with AP: You still need to get written permission from the buyer (letter, fax or e-mail, I suspect) to authorise a further payment from their card - I assume this is why Actinic won't be hard pressing on this feature - as regardless if it is, you still need to contact the customer one way for one reason or another

[Darren B]

LOL i think the point about the customer contacting you and asking you to add to the order and take from their card would cover this

[grantglendinnin]

No, it doesn't. The OP stated the customer wanted to add something to the order - nothing about confirming the card could be re-charged. Phone your bank and as

[Darren B]

Talk about pedantic ffs

the post was about having this added to AP not about how the customer asked.

[RuralWeb]

techinically you are only allowed to hold a customers card details for the purpose of processing the order. Once payment has been processed they must be destroyed so if they phone to add something after the payment has been processes then technically it's another order.

You can only hold thier card details if they have given permission for you to do so. If I called someone after places an order knowing payment had been processed and they said they still had my card details I would be pretty mad

[Darren B]

techinically you are only allowed to hold a customers card details for the purpose of processing the order. Once payment has been processed they must be destroyed so if they phone to add something after the payment has been processes then technically it's another order.

You can only hold thier card details if they have given permission for you to do so. If I called someone after places an order knowing payment had been processed and they said they still had my card details I would be pretty mad

I agree, but this is about a recharge of a card already processed by a PSP not for MOTO transactions, so you would not have their details.

[RuralWeb]

it applies to both forms of payment as far as I am aware. Can Tracy show in protx terms and conditions that they store credit card details and for how long

[TraceyHand]

No, it doesn't. The OP stated the customer wanted to add something to the order - nothing about confirming the card could be re-charged. Phone your bank and as

any chance of adding that to the package and obviously adding the additional £XX to my card?

I think, in most cases, the above kind of email would be the case.
Customer would have to have contacted one way or another, wouldn't they!?

[TraceyHand]

Darren is right. I did mean adding to an order that had gone through the website using the PSP so I'm not storing this information.
I know you can do this with Protx (have used it for long enough) which is why I was surprised that it's not available with AP. I'd be surprised if other PSPs don't allow it also
Whether Protx/AP/whoever have this details and how they are held isn't really the point here. That's down to their system/encryption etc.
Fact is, customer knows they've given you (in most cases the PSP but that doesn't mean much to most customers) their details and don't expect to have to give them again.

Most PSPs allow for this 'repeat' payment facility. AP don't.
All I wanted to know was if it was on the cards to add it or not

[Darren B]

PROTX state this

Once on our systems, all sensitive data is secured using the same internationally recognised 256-bit encryption standards used by, among others, the US Government. The encryption keys are held on state-of-the-art, tamper proof systems in the same family as those used to secure VeriSign's Global Root certificate, making them all but impossible to extract. The data we hold is extremely secure and we are regularly audited by the banks and banking authorities to ensure it remains so.

Im guessing this means the banks allow this to be done and don't have any issues with it

More information can be found here http://www.protx.com/security.asp

[RuralWeb]

All psps will store the card details for the purpose of allowing vendor refunds eg HSBC do for 30 days IIRC.

PROTX also state:

Protx provide a Repeat transaction type option on all Protx accounts but this is for the occasional repeated transaction, not for multiple repeats. The banks will provide a Continuous Authority Internet Merchant number for all vendors who wish to process repeat payments of this nature.

Which may also allow additions to already processed orders.

Ive tried several times to do it with HSBC but not been able and Ive not seen the option in PayPal either - if it were there then if you bought something with your card then the vendor would then be able to empty your account without permission.

[TraceyHand]

if it were there then if you bought something with your card then the vendor would then be able to empty your account without permission.

not really. I believe a repeat can only be up to 110% of the original transaction (with Protx anyway..will try to find the thread where that was mentioned) Obviously, that depends on your purchasing price (and your bank account!)

We're not talking about regular repeats here though. We're talking about the occasional customer who wants to add to an order. It's not unusual and it's usually catered for.

With paypal, I suppose you could issue a 'payment request'?

It's just a feature that is fairly standard (with reasonable use) for someone like Protx...and missing from AP.

It's hard to match up to Protx if there are features like this missing, IMO

[Darren B]

if it were there then if you bought something with your card then the vendor would then be able to empty your account without permission

Very true, perhaps HSBC dont allow it because they do not want the risk of this, and maybe AP will say the same. Protx are obviously happy to as they offer this service, it does have to be requested and a special merchant number is required, i am guessing this is the point when the bank probably carries out additional checks as they wont issue this to everyone.