Why Was the Partial Amount Deducted?
In some cases, when a transaction is declined due to Insufficient Funds, the cardholder's bank sends a response to PayJunction that only a portion of the total charge amount is available. When this happens, the cardholder's bank authorizes for those funds to be held as a Partial Approval.
A Partial Approval is pending with the the cardholder's bank until their bank reverses the authorization. Once the authorization is reversed, the funds would be available in the cardholder's account.
- When a Partial Approval response is received from the the cardholder's bank, PayJunction declines the transaction.
- When the batch settles, PayJunction sends a request to reverse the Partial Approval.
- The cardholder's bank receives the request to reverse the temporary authorization (Partial Approval).
- The partially authorized funds are returned to the cardholder's account.
- This process typically takes 1-3 business days to complete, but can take longer depending on the cardholder's bank.