Sessions Scenarios

Scope

• Session Mode: PAYMENT_WITH_WALLET | API Scope: user | API Endpoint: v2/sessions | Interaction mode: UI
• Maximum number of payment methods: 2
• Payment Type: SALE
• Transaction Type: Any

Out-Of-Scope

• Mode: One Time Pay Pay & Save
• Payment Type: PRE-AUTH

Business Use Case

Standard Payment Scenarios

Standard Payment Scenarios

ID	Scenario	Retry Attempt Pending	User Type	First Payment Status	Second Payment Status	Amount	CCG Actions	Final Session Status	Payment Status
1	Both Payments Successful	N/A	Customer/Agent	✅ COMPLETED	✅ COMPLETED	Split (e.g. 60¢ + 40¢)	Process both payments	✅ COMPLETED	SUCCESS
2	Allow Single Payment	N/A	Customer/Agent	✅ COMPLETED	N/A	Full (e.g. 10¢)	Capture the Transaction	✅ COMPLETED	SUCCESS
3	One Payment Success, Another Payment ❌ FAILED	Yes	Customer/Agent	✅ COMPLETED	❌ FAILED	Split (e.g. 60¢ + 10¢)	Reverse first payment	⏳ INITIATED	❌ FAILED
4	Amount less than 1 cent for one payment	Yes	Customer/Agent	❌ FAILED	❌ FAILED	Invalid (e.g. 0.5¢ + 9999.5¢)	Fail transaction, show error	⏳ INITIATED	❌ FAILED

3DS Authentication Scenarios

3DS Authentication Scenarios

ID	Scenario	Retry Attempt Pending	User Type	First Payment Status	Second Payment Status	Amount	Final Session Status	CCG Actions
5	Card 1 requires 3DS auth (not COMPLETED)	Yes	Customer	3DS Required	✅ AUTHORIZED	Split (e.g. 60¢ + 40¢)	❌ FAILED	3DS Auth unsuccessful for one card, another card transaction should be cancelled
6	Card 1 requires 3DS auth (Agent Session)	Yes	Agent	3DS Required	✅ COMPLETED	Split (e.g. 60¢ + 40¢)	❌ FAILED	3DS Auth not allowed for agent, CCG cancels auth of card2
7	Card 1 requires 3DS auth (✅ COMPLETED successfully)	N/A	Customer	✅ COMPLETED	✅ COMPLETED	Split (e.g. 60¢ + 40¢)	✅ AUTHORIZED	3DS Auth ✅ COMPLETED and CCG captures both card

ACH Specific Scenarios

ACH Specific Scenarios

ID	Scenario	Retry Attempt Pending	User Type	First Payment Status	Second Payment Status	Amount	CCG Actions	Final Session Status	Payment Status
8	Consent Unavailable	Yes	Any	❌ FAILED (ACH)	NA	Split (e.g. 60¢ + 40¢)	Consent is required for ACH	INITIATED	❌ FAILED

Retry Exhausted Scenario

When all retry attempts for a split tender transaction are exhausted, no further retries are allowed for that session. The user must initiate a new transaction if they wish to try again. This ensures transaction integrity and prevents indefinite retry loops.

Retry Exhausted

ID	Scenario	Retry Attempt Pending	User Type	First Payment Status	Second Payment Status	Amount	CCG Actions	Final Session Status	Payment Status
9	Retry Exhausted	❌ No	Any	❌ FAILED	✅ COMPLETED	Split (e.g. 60¢ + 40¢)	No Retry Attempts Left	❌ FAILED	❌ FAILED

Special Cases: Guest Fallback and Abandoned Payment Scenarios

These scenarios cover edge cases where the session is abandoned or a guest fallback is triggered. Each scenario ensures that incomplete or abandoned payments are handled gracefully, maintaining system integrity and user experience.

Special Cases: Guest Fallback and Abandoned Payment Scenarios

Abandoned Payment Scenarios

If a session is abandoned (e.g., browser closed or session timeout), any pending or partially completed payments are automatically cancelled to prevent orphaned transactions and ensure customer funds are not held.

ID	Scenario	Retry Attempt Pending	User Type	First Payment Status	Second Payment Status	Amount	CCG Actions	Final Session Status	Payment Status
10	Browser Closure Before handling 3ds challenge of second payment	Yes	Customer	✅ COMPLETED	Pending	Split (e.g. 60¢ + 40¢)	Cancel dangling transaction when session is cancelled	🚫 CANCELED	❌ FAILED
11	Session TimeOut	Yes	Customer	✅ COMPLETED	Pending	Split (e.g. 60¢ + 40¢)	Cancel dangling transaction when session is expired	🛑 EXPIRED	❌ FAILED

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Guest Fallback

If a split tender attempt fails, guests may be offered a fallback to complete the transaction with a single payment method, improving the likelihood of successful checkout.

ID	Scenario	Retry Attempt Pending	User Type	First Payment Status	Second Payment Status	Amount	CCG Actions	Final Session Status	Payment Status
12	Guest Payment FallBack	Yes	Guest	✅ COMPLETED	N/A	Full (e.g. 60¢)	One Time Pay with one Payment Method	✅ COMPLETED	N/A