hi,
To add some experience on the topic of vouchers.
in a nutshell, I've used "voucher" in 3 different ways: a discount, a credit or a gift card.
Case 1: discount
the voucher is a discount (-10%,v-€5): In that case, the voucher simply reduces the price of one or several product offering(s).
the price to pay, before any payment processing, already include the voucher. The voucher is not a mean of payment.
This is also often called "coupon".
Case 2: credit
the voucher is a credit on the customer account, e.g. when you cancel your delivered order. Instead of refunding the money to the customer, the money becomes a credit on the customer account (i.e. in the balance sheet). that credit could be materialized as a voucher with a code, which can be used for the next order (or be refunded later on).
Amazon and many airlines are very fond of this approach.
The voucher is a mean of payment.
Case 3: gift card
The "gift card" is very different from case 1 and 2 but in terms of payment processing, it's very close to case 2.
In previous projects, we processed the order payment with "vouchers" (case 2 and 3) as follow:
create a payment object for the order. the payment object has 1...* payment lines (99% of the time, there is only one line)
Each payment line would trigger different APIs (the voucher would go to ERP/accounting), the credit card would go to external payment system etc.
the payment object lifecycle depends on the lifecycle of all payment lines.
hope this helps,
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Kind regards,
Matthieu Hattab
Lyse Platform
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Original Message:
Sent: Aug 28, 2022 10:22
From: Gaurav Darbari
Subject: Support Multiple Payment Method
How do we propose to handle multiple voucher to be used in a single transaction?
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Gaurav Darbari
Rogers Communications Inc.
Original Message:
Sent: Aug 28, 2022 09:49
From: Jonathan Goldberg
Subject: Support Multiple Payment Method
The Payment Management API TMF676 does not allow payments to be made by multiple payment methods.
The reasoning behind this is that each payment method implies a separate transaction. Suppose (for example) that I have a $100 immediate one-time charge as part of an order. I can certainly split this up into $60 on my Visa and $40 on my bank debit card. But what happens if something goes wrong with one of the payment methods? My payment will now be in an inconsistent state. So the split needs to be done by creating two payments (in this example).
Of course, I'm not an expert on payment flows, other experts out there might want to weigh in.
Hope it helps
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Jonathan Goldberg
Amdocs Management Limited
Any opinions and statements made by me on this forum are purely personal, and do not necessarily reflect the position of the TM Forum or my employer.
Original Message:
Sent: Aug 25, 2022 17:23
From: Gaurav Darbari
Subject: Support Multiple Payment Method
Which TMF API spec cover multiple payment Method in single transaction?
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Gaurav Darbari
Rogers Communications Inc.
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