Skip to main content
Version: v2

Split Tender Critical Use Cases

This document outlines the edge case failure scenarios that can occur during split tender payment processing and provides comprehensive recovery strategies for each situation.

😈 Important

These scenarios require special handling and robust error recovery mechanisms to maintain payment integrity and ensure a good customer experience despite transaction failures.

Payment Capture Failures​

CCG CAPTURE FAILURE on Sale Transaction​

When a payment capture fails after a successful authorization during rollback process, the system must handle capture failures

For detailed information, refer to Capture Failure Recovery Strategies

ACH-Specific Failure Scenarios​

CCG Cancel Failure on ACH Transactions​

ACH cancellation window
  1. ACH cancellation may fail due to limited varying cancellation window.
  2. Cancellation is allowed only when both ACH payments are in ACCEPTED status, Refer Cancellation Eligibility Matrix

When a payment cancellation fails on one payment method during roll back process, the system must handle cancel failures. Refer to Cancellation Recovery

ACH Transaction Fails with Notice of Return (NOR)​

NOR failures represent a significant risk in split tender transactions since they occur after the transaction appears successful to the customer.

ScenarioDescriptionActionRollback Strategy
One ACH fails in ACH+ACH transactionOne payment succeeds while the other receives NORInitiate refund for successful ACHFull transaction rollback

Recovery Process Flow​

Recovery Action Plan​

  1. Automated Refund Process: System automatically initiates a refund for the successful payment
  2. Failure Notification: Customer is notified about the payment failure
  3. Reconciliation: Transaction is marked as failed once refund is processed
Refund Failure Procedure

If the refund process fails:

  1. Operations team must manually process the refund
  2. Update the transaction status in the system
  3. Generate an incident report with root cause analysis
  4. Review for potential system improvements