Partial Debits

The Partial Debit feature allows lending merchants to increase revenue by recovering funds that would have otherwise been lost.

With this feature, when an attempt to charge a card fails with insufficient funds, we will automatically retry with the maximum amount that can be charged. For example, if you attempt to charge someone NGN 10,000 but they only have NGN 4,000 in their account, historically, the transaction will fail with insufficient funds, but with partial debits, we will charge about NGN 3,900,

Partial debit is only available for Mastercard and Verve at the moment

Who can use this?

This feature is only available on request. You will gain access once our reviews team approves it. Please reach out to [email protected] to request access

How does it work?

You can only charge existing authorizations with this feature. There are 2 ways to use it. Either through the Partial Debit endpoint or our Bulk Charge endpoint.

Using The Partial Debit Endpoint

The Partial Debit endpoint allows you debit authorization codes. Initiate a Partial Debit.

Using Bulk Charge

Our Bulk Charge endpoint will now accept a flag  "attempt_partial_debit" : true

Please see a sample below:

[
  {
    "authorization": "AUTH_k3qdgzt8ui",
    "amount": "100000", //Amount in Kobo
    "attempt_partial_debit": true,
  "at_least": "50000" //You can specify minimum amount that we should debit the customer. If the user's balance is less than this amount, we won't debit the user
    }, 
  {
    "authorization": "AUTH_cnnrq72vlb",
    "amount": "30000",
    "attempt_partial_debit": true,
        "at_least": "40000"
    }, 
  {
    "authorization": "AUTH_ge9j1tlsu5",
    "amount": "1000"
    }, 
  {
    "authorization": "AUTH_q7ejes8926",
    "amount": "1000"
    }, 
  {
    "authorization": "AUTH_e2disfmwhm",
    "amount": "1000"
    }, 
  {
    "authorization": "AUTH_6wq8ylaxyv",
    "amount": "1000"
    }, 
  {
    "authorization": "AUTH_q4bwausn9o",
    "amount": "1000"
    }, 
  {
    "authorization": "AUTH_nfkbpuf36t",
    "amount": "1000"
    }, 
  {
    "authorization": "AUTH_yj0zlvu546",
    "amount": "1000"
    }, 
  {
    "authorization": "AUTH_kj9dp2vakb",
    "amount": "1000"
    }
]

Initiating a partial debit using the bulk charge endpoint

Verifying Your Transactions

When verifying transactions (or implementing webhooks) that involve Partial Debits, there are two types of amounts that are returned: amount and requested_amount. Amount is the amount (in kobo) the customer was charged while requested_amount is the amount (in kobo) you intended to charge.