Rules for recurrign transactions with big payment period

[autopilot]

Hello,

decided to write here as nobody replied in support.

Lets say  customer wants to sell a subscription plan with subsequent annual recurring payments.

The questons are:

1) how long will the tokens live?

2) if tokens are received for a card which will be expired within a couple of months, will it make any difference to process? also some authoprizers allow to process recurring payments on recently expired cards, will it be the case with auth.net? 

3) will subsequent recurring payments have some limitations on amount? lets say annual payments will be $1,000 or more

Partial authorization.

Our software has x_allow_partial_auth=false by default in each request, however 'Partial authorization' check box can be set to On at a merchant account by customer. I was told by auth.net developes a while ago that in this combination x_allow_partial_auth=value will be ignored, and if there is no enough money on a account, partial payment will be still processed, is that correct as of now?

Refunds.

There are could be 2 types of refund accordingly to https://support.authorize.net/authkb/index?page=content&id=A472&pmv=print&impressions=false there based on passing a 120 days period. Will it be some limitaions/complications on processing unlinked refund for initial and recurrign payments (using tokens) which are 4+ months old?

[RichardH]

Hello @autopilot

In response to your questions:

1.  Customer profiles do not expire, however if the card expires before the next payment it will not be successful.  You can avoid this by adding Account Updater to your account which ensures card data is up to date.

2.  Transaction amounts are limited by available funds for authorization, or by individual or monthly gateway limits imposed by your merchant service provider.

3. Split tender transactions are typically used when multiple cards are used to complete a transaction, however ARB subscriptions do not support split-tender transactions.  If there is not sufficient funds available, the entire transaction is declined.

4. Refunds using a previous transaction id are available within the first 120 days.  Beyond 120 days, you must apply for expanded credit capabilities with certain limitations.

Richard

[autopilot]

Richard, thanks.

So the question here is: we do not use authorize.net ARB system, but process all recurring trans on our side with the tokens.

So if a customer has set Partial Authorization to true in the account but our software request includes x_partial_Auth=false and customer's credit card has no funds available, will the partial payment be processed?

[RichardH]

Hello @autopilot

Generally, merchant interface settings are defaults and your API call will override.

Regarding a partial authorization, if you use update split tender group, it will complete the transaction.

Richard