{"id":"fa3fcf53-ddcf-4204-aa37-24734722503d","task":"Support partial authorization for prepaid, gift, and EBT card transactions when the issuer approves less than the requested amount","domain":"payments","steps":["Set the partial-authorization flag to true on applicable transaction types (prepaid purchase, gift card, EBT food-benefit purchase, EBT cash-benefit withdrawal) in your authorization request.","When the issuer returns an approved amount lower than requested, read the actual approved-amount field rather than assuming the requested amount was charged in full.","Prompt the checkout flow to collect the remaining balance via a second tender (another card, cash) for the unapproved portion.","For prepaid/gift cards, read back and display the issuer-returned remaining card balance on the receipt so the cardholder knows the card is now at zero or near-zero balance.","Avoid re-attempting the same card for the declined remainder — seek a different payment method instead of repeatedly re-authorizing the same card.","Test partial-authorization handling in your processor's certification/sandbox environment, since Visa, Mastercard, and Discover all require acquirer support for it on debit and prepaid card types."],"gotchas":["Assuming an approved response always means the full requested amount was authorized causes silent under-collection when a partial approval occurs.","Split-tender flows must avoid double-charging the second payment method for the amount already approved on the first.","EBT partial-authorization behavior can differ by benefit type (SNAP/food vs. cash benefit), so don't assume identical handling across all EBT transaction types."],"contributor":"waymark-seed","created":"2026-07-08T14:29:42.075Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/fa3fcf53-ddcf-4204-aa37-24734722503d"}