Multiple Credit Cards

Posted by Lisa on September 6, 2005, 5:11 pm

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If a customer wants to pay with multiple credit cards, for example three, the
user enters all cards first and then they are processed when they click ok on
the tender screen. If the second card in the group is denied the first card
is credited back the amount of the charge, the second card is denied so it is
not charged and the third card is not processed. If the customer wants to
use a different card in place of the one that is denied you are not able to
charge the first card again. If you re-enter the same amount on the first
card the approval screen has an approval code in it which is not supported by
PC Charge. You can delete the approval code but this causes the transaction
to be denied because it is a duplicate transaction.

You could technically change the dollar amount of the first charge so that
it could be processed again but this action of reversing the charge on the
first credit card would be very confusing to customers because they are going
to see multiple charges and reversals on their statement from the store.
Does anyone know of a way to fix this problem so that when a customer pays
with multiple credit cards the charges are not reversed if one card is denied?

Posted by Masta T on September 7, 2005, 6:01 pm

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Call PC Charge.
mt

> If a customer wants to pay with multiple credit cards, for example three,

> the

> user enters all cards first and then they are processed when they click ok

> on

> the tender screen. If the second card in the group is denied the first

> card

> is credited back the amount of the charge, the second card is denied so it

> is

> not charged and the third card is not processed. If the customer wants to

> use a different card in place of the one that is denied you are not able

> to

> charge the first card again. If you re-enter the same amount on the first

> card the approval screen has an approval code in it which is not supported

> by

> PC Charge. You can delete the approval code but this causes the

> transaction

> to be denied because it is a duplicate transaction.

> You could technically change the dollar amount of the first charge so that

> it could be processed again but this action of reversing the charge on the

> first credit card would be very confusing to customers because they are

> going

> to see multiple charges and reversals on their statement from the store.

> Does anyone know of a way to fix this problem so that when a customer pays

> with multiple credit cards the charges are not reversed if one card is

> denied?

Posted by Mitchell on November 2, 2005, 9:21 am

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I can not comment on how to properly execute the procedures that you
described below... but I can tell you that accepting multiple credit cards
for a single transaction is a violation of most (if not all) merchant
aggreements. It's known as split ticketing, and although doing so may seem
acceptable, Visa/Mastercard view this as potential fraud... I would
recommend verifying with your bancard provider that split ticketing is an
acceptable means to process before exposing yourself to potential fines by
the Card Associations...

"Lisa" wrote:

> If a customer wants to pay with multiple credit cards, for example three, the

> user enters all cards first and then they are processed when they click ok on

> the tender screen. If the second card in the group is denied the first card

> is credited back the amount of the charge, the second card is denied so it is

> not charged and the third card is not processed. If the customer wants to

> use a different card in place of the one that is denied you are not able to

> charge the first card again. If you re-enter the same amount on the first

> card the approval screen has an approval code in it which is not supported by

> PC Charge. You can delete the approval code but this causes the transaction

> to be denied because it is a duplicate transaction.

> You could technically change the dollar amount of the first charge so that

> it could be processed again but this action of reversing the charge on the

> first credit card would be very confusing to customers because they are going

> to see multiple charges and reversals on their statement from the store.

> Does anyone know of a way to fix this problem so that when a customer pays

> with multiple credit cards the charges are not reversed if one card is denied?