# Partial authorizations

A partial authorization allows you to accept authorizations granted by the issuer for an amount that is lower than originally requested. For example, you request an authorization for $100 but the issuer only authorizes $70. This allows cardholders to use multiple payment methods to cover the total amount, while reducing declines for insufficient funds.

Accepting a partial authorization is mandated by card schemes for certain use cases. One example is [Account Funding Transactions](/products/card-payments/features/funds-transfers) in certain regions. Always check card scheme rules for the latest guidance.

## Request

Submit the `value.acceptPartialAmount` object with a value of `true` to accept an authorization for a partial amount.

Example:


```
  "value": {
        "amount": 1000,
        "currency": "GBP",
        "acceptPartialAmount": true
    }
```

## Response

If a partial amount is authorized, you will receive an `authorized` outcome with an `amounts` object in your response.
The `amounts` object contains:

### Response example

Partial Authorization (Response)
{
  "outcome":"authorized",
  "paymentId":"payeRm54dC-2ValP73mTkf6a0",
  "commandId":"cmdufG9bsUF410NdvLio-s-y0",
  "riskFactors":[
    {
      "type":"cvc",
      "risk":"notSupplied"
    },
    {
      "type":"avs",
      "risk":"notChecked",
      "detail":"address"
    },
    {
      "type":"avs",
      "risk":"notChecked",
      "detail":"postcode"
    }
  ],
  "issuer":{
    "authorizationCode":"T75725"
  },
  "scheme":{
    "reference":"MCCOLXT1C0104  "
  },
  "paymentInstrument":{
    "type":"card/plain+masked",
    "cardBin":"555555",
    "lastFour":"4444",
    "category":"consumer",
    "countryCode":"GB",
    "expiryDate":{
      "month":9,
      "year":2029
    },
    "cardBrand":"mastercard",
    "fundingType":"credit",
    "issuerName":"AN ISSUING BANK LTD",
    "paymentAccountReference":"Q1HJZ28RKA1EBL470G9XYG90R5D3E"
  },
  "amounts":{
    "requested":250,
    "totalAuthorized":199,
    "currency":"GBP",
    "partialAuthorization":true
  },
  "_links":{
    "cardPayments:cancel":{
      "href":"https://try.access.worldpay-bsh.securedataplatform.com/payments/authorizations/cancellations/linkData"
    },
    "cardPayments:partialCancel":{
      "href":"https://try.access.worldpay-bsh.securedataplatform.com/payments/authorizations/cancellations/partials/linkData"
    },
    "cardPayments:settle":{
      "href":"https://try.access.worldpay-bsh.securedataplatform.com/payments/settlements/full/linkData"
    },
    "cardPayments:partialSettle":{
      "href":"https://try.access.worldpay-bsh.securedataplatform.com/payments/settlements/partials/linkData"
    },
    "cardPayments:events":{
      "href":"https://try.access.worldpay-bsh.securedataplatform.com/payments/events/linkData"
    },
    "curies":[
      {
        "name":"cardPayments",
        "href":"https://try.access.worldpay-bsh.securedataplatform.com/rels/cardPayments/{rel}",
        "templated":true
      }
    ]
  }
}

## Next steps

Following a partial authorization, you can:

- send the payment for full or partial [settlement](/products/card-payments/manage-payments#settle-an-authorization). A full settlement will be for the `totalAuthorized` amount, which may be lower than the amount requested.
- fully or partially [cancel](/products/card-payments/manage-payments#cancel-an-authorization) the authorization.


You may create a second [Customer Initiated Transaction](/products/card-payments/authorize-a-payment) or [Merchant Initiated Transaction](/products/card-payments/repeat-payments) request to authorize the remainder of the originally requested amount. Note that this is a standalone transaction that is subject to its own set of [next actions](/products/card-payments/manage-payments).

## Testing

Submit the following magic values in `instruction.value.amount` to test [partial authorization](/products/card-payments/features/partial-authorizations) outcomes:

| Magic value | Description | `amounts.requested` | `amounts.totalAuthorized` |
|  --- | --- | --- | --- |
| `1706` | An authorization request for a `value.amount` of `1706` that is successfully partially authorized for a `totalAuthorized` amount of `123` | `1706` | `123` |


Other amounts will be authorized for the full amount submitted.

Response:


```
"amounts": {
    "requested": 1706,
    "totalAuthorized": 123,
    "currency": "GBP",
    "partialAuthorization": true
}
```