Split Tender Cancel Business Rules

Overview

Payment cancellation in split tender transactions must account for different payment methods with varying cancellation capabilities. The system must ensure transactional integrity across all payment methods involved.

Key Considerations

• Payment type (SALE vs PRE-AUTH) determines cancellation eligibility
• Different payment methods have different cancellation requirements
• Both payment methods must be eligible for cancellation in a split tender transaction
• If one payment cannot be canceled, the entire transaction remains active

Cancellation Eligibility Matrix

The table below outlines the eligibility for cancellation across different payment method combinations and payment types:

Payment Combination	Payment Type	Eligibility	Required Status	Notes
Card + Card	PRE-AUTH	✅ Allowed	Both in AUTHORIZED	Must cancel both payments together
Card + Card	SALE	❌ Forbidden	N/A	SALE transactions on cards cannot be cancelled
Card + ACH	SALE	❌ Forbidden	N/A	SALE transactions on cards cannot be cancelled
ACH + ACH	Any	✅ Allowed	Both in ACCEPTED	Both ACH payments must be in ACCEPTED status

Cancellation Rules by Payment Method

Card Payments

Card payments have specific cancellation restrictions:

• PRE-AUTH transactions can be canceled when in AUTHORIZED status
• SALE transactions cannot be canceled (captured funds require refund instead)
• Cancellation must occur before settlement (typically within 24 hours)

ACH Payments

ACH payments have different cancellation characteristics:

• Cancellation only allowed when in ACCEPTED status
• Once ACH payment is processing, cancellation is not possible
• Failed cancellation requires manual intervention.