Alternate Payments
Manhattan Active Omni solutions provide clients the ability to manage the payment processing of an order paid for with alternative payment methods to traditional credit card and gift cards, such as buy now and pay later or secure digital wallets. Throughout the life cycle of each order, MAO uses the token information for the alternative payment method to process authorizations, settlements, and refunds through integration with the 3rd party payment gateway.
Manhattan Active Omni has pre-built apps with many 3rd party Alternative Payment Gateways for one or more of the above functionalities which can be leveraged out of the box. Please see each 3rd party vendor to view what functionalities are available.
Third Party Integrations
1 - Afterpay
What is Afterpay?
Afterpay is a payment processor which enables retailers to offer their customers the option to place an order now and pay in four installments with one installment due on order placement.
What does this integration include?
Manhattan Active Omni is not integrated with Afterpay out of the box. This integration enables communication with Afterpay version 2 by altering the base functionality in the following ways:
- Capture: Performs a capture (settlement) against an authorization. Multiple captures against the authorization are supported.
- Refund: Full or partial refunds.
- Void: Perform a void against an authorization. Afterpay only supports voiding the full authorization or if a payment has been partially captured then the remainder of the authorization.
- Update Shipping Courier: Updates Afterpay with a record of a fulfillment.
Capture
Manhattan Active Omni sends a capture request to Afterpay after a quantity is shipped for the shipment invoice amount. For split shipments, Manhattan Active Omni sends multiple capture requests against the single initial authorization and the order’s Afterpay transaction ID.
Refund
Manhattan Active Omni sends a refund request to Afterpay in the cases of return order creation after the entire authorization is captured as well as appeasements/adjustments created after the entire authorization is captured. Afterpay supports full or partial refunds against the order’s Afterpay transaction ID.
Void
Manhattan Active Omni sends a void request to Afterpay in the case that the order is cancelled, or the order completes with a final order total lesser than the initial order total. Afterpay only supports a full void of the remainder of an authorization, therefore the void amount is always sent for the difference between the initial and final order totals (which is $0 in the case of an order cancellation).
Update Courier
Manhattan Active Omni sends the shipping details to Afterpay as items ship using the Update Shipping Courier API, which allows Afterpay to provide better customer service.
2 - Amazon Pay
What is Amazon Pay?
Amazon Pay is an industry-leading payment solution that integrates with order creation host systems to handle payment processing for specific tenders. Amazon Pay is a commonly used online payment processing service that is owned by Amazon. Amazon Pay gives customers the option to pay with Amazon accounts on external merchant websites.
What does this integration include?
Manhattan Active Omni is not integrated with Amazon Pay out of the box. This integration enables communication with Amazon Pay using ILS Core version 6.05 by altering the base functionality in the following ways:
- Advanced Authorization
- Settlement
- Refund
- Notifications
This integration does not include Authorization or Void transactions and Amazon Pay is not an available payment tender through Manhattan Active Omni call center (imported orders only).
Advanced Authorization
MAO generates an Advanced Authorization synchronous call to Amazon Pay in the event of a split shipment. Amazon Pay accepts only one settlement record per authorization. Therefore, if a split shipment occurs and is settled in the same day, MAO obtains a new authorization for the remaining amount for that payment tender on the order.
Settlement
MAO generates synchronous settlement requests to Amazon Pay, in the Amazon Pay expected format, for open shipment invoices requiring capture. MAO is responsible for receiving the response and updating the payment transaction appropriately.
Refund
MAO generates synchronous refund requests to Amazon Pay, in the Amazon Pay expected format, for open refund invoices (for returns and appeasements) requiring capture. MAO is responsible for receiving the response and updating the payment transaction appropriately.
Notifications
In the event Amazon Pay initially sends MAO a capture or refund pending response, Amazon Pay later sends an asynchronous message containing the final transaction decision. This message is passed to MAO in JSON format, with the expectation that it is translated by a middleware. MAO is responsible for consuming the JSON message from a MAO queue and updating the payment transaction appropriately.
3 - Klarna
What is Klarna?
Klarna is a payment provider that allows customers to pay for orders in installment plans.
What does this integration include?
Manhattan Active Omni is not integrated with Klarna out of the box. This integration enables communication with Klarna by altering the base functionality in the following ways:
- Capture funds
- Refund
- Release Authorization
- Cancel
Capture
MAO generates synchronous settlement requests to Klarna, in the Klarna expected format, for open shipment invoices requiring capture. MAO is responsible for receiving the response and updating the payment transaction appropriately.
Cancel
When the order is cancelled prior to any part of it being shipped, Active Omni generates a cancellation call to Klarna.
Release Authorization
Release Authorization transactions occur anytime the remainder on the order has been cancelled after an initial capture is received. When the remaining unshipped order is cancelled, an authorization reversal transaction is generated. If this transaction amount is equal to the remaining to be paid, a void transaction is generated to Klarna to inform that this amount is no longer due by the customer.
Refund
MAO generates synchronous refund requests to Klarna in the Klarna expected format, for open refund invoices (for returns and appeasements) requiring capture. MAO is responsible for receiving the response and updating the payment transaction appropriately.
4 - PayPal
What is PayPal
PayPal is an online payment platform that facilitates payments between individuals and businesses.
Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ: PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal’s 325 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person.
What does this integration include?
This integration enhances the current MAO out of box integration with PayPal as follows:
- To process full authorization reversals for the following scenarios:
- Cancelling an order
- Performing an order edit which results in the full or remaining authorization amount being voided. This can include cancelling an order line, applying an appeasement, reducing an order line quantity, etc.
- To process re-authorization of funds once the honor period expires but within the authorization validity period.
This integration implements additional functionality for Manhattan Active Omni (MAO) Point of Sale (POS) & ECOM / Call Center card payment flows with PayPal’s payment platform. The features include:
- POS Omni Cart Sale
- Follow On Refund
- POS Refund by Card Entry
- POS Mid Transaction Void
- POS Post Void
- POS End of Day Reconciliation
- Contact Center Hosted Checkout
- Authorization
- Re-authorization
- BOPIS Card on File
What is PayPal DoVoid?
PayPal is used as a payment method for placing an order on the retailer’s website. During the order creation, an authorization is performed by the merchant that applies a hold on the buyer’s funds which is typically valid for 29 days. PayPal allows settlement i.e., capturing less than the original authorization, full authorization amount, or even more than the authorization amount (up to 115% of the original authorization or $75 USD more, whichever is less).
However, during the order lifecycle if an order edit results in the full or partial authorized amount being voided then the funds can be released via a DoVoid call to PayPal.
MAO provides an out of box integration with PayPal using REST Service APIs for Signature and Certificate mode to process the payment transactions for Settlement and Refund. However, during scenarios when order edits result in the authorized amount being reversed to the buyers account, base MAO generates an authorization reversal transaction but does not send it to PayPal, or any Payment Gateway out of the box as a result of which the customer amount is held and unavailable for use till the authorization expires.
This feature adds the ability for MAO to send a PayPal DoVoid call to reverse (releases) complete or partial authorization amount on the buyer’s account when an authorization reversal is generated.
What is PayPal DoAuthorization?
For PayPal, an authorization places a hold on the funds and is valid for 29/90 days. After a successful authorization, PayPal recommends that you capture the funds within the honor period. Success of the capture is subject to risk and availability of funds on the authorized funding instrument.
Within the 29/90-day authorization period, a client can issue multiple re-authorizations after the honor period expires. A re-authorization generates a new authorization ID and restarts the honor period, and any subsequent capture should be performed on the new authorization ID. This feature adds logic for MAO to send the reauthorization API to PayPal.
POS OMNI-Cart Sale
This feature allows the POS application to process card present payment capture (settlement) for Pay & Carry lines and card not present payment authorization for Save the Sale lines with a single swipe of a credit card.
Follow-On Refund
Refunds are executed in MAO to process returns or negative exchanges. The Follow-on Refund, or Referenced Refund, refunds the original card that was used to execute the sale without the card being present. This applies to both POS and Call Center flows.
POS Refund by Card Entry
Refund by Card Entry, or Unreferenced Refund, refunds the card that is entered in the payment terminal via insert, tap or swipe, at the time of the transaction being executed. This flow applies only to POS not Call Center.
- Note standalone refunds by card token is not required for this App since PayPal’s transaction tokens do not expire and therefore all card not present refunds can be processed as follow-on refunds using transaction token regardless of the age of the return.
POS Mid-Transaction Void
This feature allows the store user to void or cancel a partial card payment applied to a POS transaction.
POS Post Void
This feature allows the POS application to reverse payments captured for a Pay & Carry Sale transaction that was completed and later post voided. Post Void is permitted only on the same business day as the original Sale.
POS End of Day Reconcilation
This feature allows POS to determine and record the result of an abandoned payment in order for the Cancel Order process to reverse it. Cancel Order process reverses any payments that were captured for orders that are eventually voided.
This feature allows the Contact Center application to capture a credit card payment method for an order which upon confirmation of the order is used to Authorize payment for that order. Card information is entered on an iframe that is hosted on the PayPal gateway and is tokenized by PayPal before returning to MAO.
Authorization
This feature allows MAO to Authorize funds for an order using a tokenized payment method. The funds authorized are to be captured upon fulfilment.
Re-Authorization
This feature allows MAO to obtain a new authorization in scenarios where a previous authorization expires before funds are captured for the same.
BOPIS Card on File
This feature allows the POS application to leverage an existing credit card payment method to complete a card not present charge for Pay & Carry orderlines added in-store to a BOPIS order upon fulfilment.