Is it possible to process pay after service via API

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peter-wd asked Aug 16, '21 David Marginian Deactivated answered Sep 8, '21

Is it possible to process pay after service via API

Hi, I'm kindly asking about if my use case is feasible with clover API.

Use case(by chronological order):

- She/He have physical master/visa/etc credit card and make a initial payment with that card at physical store via POS machine

- Store hold cardholder's info

- Cardholder do some activity(receive service) in store.

- Cardholder leave without another physical card payment(for their convenience).

- Store charge for the activities cardholder did via REST API

- Cardholder will get notified that Store placed a charge on their service received at store.

If this is feasible, where should I look into to implement such a functionality.

Developer Pay API

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Answer 1 · 2021-08-16T15:07:09Z

David Marginian Deactivated answered Aug 16, '21

Device tokens are not compatible with our ECommerce API. So, this is not currently possible. We are working on a new API that would allow your app to initiate a vault/tokenization request on a Clover device and have the token returned as an ECommerce token or as a device token. This new API is currently in beta, you should contact semi-integrations@clover.com to see if you can participate in the beta. The other thing to keep in mind with an approach like this is that the merchant will be getting charged for a card-not-present transaction (which generally have higher rates/fees).

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Answer 2 · 2021-08-16T18:08:56Z

peter-wd answered Aug 16, '21 peter-wd edited Aug 16, '21

Thank you for the response

Can I use ECommerce API to get a ECommerce token and use it for same purpose?

So In this case the use case would be the same except Store is not a physical store but online store.

Revised use case would be:

- She/He have physical master/visa/etc credit card and make an initial payment with that card at online website(application) via clover api.

- Application hold cardholder's info

- Cardholder visits physical store.

- Cardholder do some activity(receive service) in physical store.

- Cardholder leave physical store without any payment(for their convenience).

- Application charges for the activities cardholder did.

- Cardholder will get notified that Application placed a charge on their service received at store.

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Answer 3 · 2021-08-16T19:08:07Z

David Marginian Deactivated answered Aug 16, '21

Yes, that flow is possible - https://docs.clover.com/docs/ecommerce-saving-card. Once again the merchant would be charged for a card-not-present transaction.

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Answer 4 · 2021-08-16T19:43:15Z

peter-wd answered Aug 16, '21 David Marginian Deactivated commented Aug 16, '21

Where should I contact to find out how much card-not-present transaction cost?

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David Marginian ♦♦ commented · Aug 16, 2021 at 07:52 PM

This is a question that will vary from merchant to merchant based on their merchant agreement.

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Answer 5 · 2021-08-16T19:52:51Z

peter-wd answered Aug 16, '21 peter-wd commented Sep 8, '21

And would you explain exactly where the card-not-present transaction happened in the flow? Looks like the case above actually using customer card at the beginning. With that being said, we're actually using smart ordering for some client. Check this link for the ref https://smartonlineorder.com/. This plugin using clover and don't think the client paying extra fees/rate other than the regular fees they're using for their restaurant.

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David Marginian ♦♦ commented · Aug 16, 2021 at 07:59 PM

You may want to read a bit about credit card processing in general. Card not present means neither the cardholder nor the card is physically presented to the merchant at the time of the transaction, e.g. ecommerce. In contrast, a card present transaction would be a physical dip/swipe/tap by the cardholder at the time of payment.

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peter-wd David Marginian ♦♦ commented · Sep 08, 2021 at 07:00 PM

Dose that mean it would not charge card not present if customer dips the card into machine?

This would mean that the scenario below would not charge extra and Card not present is not associate with this case

1. Application is running on Kiosk device in the store

2. Cardholder physically dip/swipe/tap their physical card.

3. Application proceeds payment via Clover API

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Answer 6 · 2021-09-08T19:07:55Z

David Marginian Deactivated answered Sep 8, '21

"Dose that mean it would not charge card not present if customer dips the card into machine?"

That is correct, that is a card-present charge.

To remotely initiate a payment on a Clover device you would use our Clover Connector API - https://docs.clover.com/docs/clover-development-basics-semi (see all sub-sections).

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