Repay Invoice for MIT Users
Release status: RELEASED
Introduction
Transactions can fail for many reasons, particularly for AdHoc MIT users who have enabled the "Skip preauthorization" setting in their contract type. With such contracts transactions are settled at the end of a session and if a user does not have enough money in their bank account, the payment provider will decline the transaction. As a result, EMSPs must handle failed transactions independently.
To limit large debt accumulation and give users quick manual repayment option that allow them further charging we are introducing Repay Invoice mechanism, where automatically blocked users can repay their invoice immediately.
How does it work?
When users with specific contract (AdHoc MIT contract type and auto-block setting enabled) will charge their vehicle and their payment will fail, they will receive a push notification and optionally an email saying that their payment failed. Additional pop-up will also explain how can they repay immediately their failed payment.
How to enable this in Ocean?
In order to use this feature you need to enable the following settings in Ocean:
In Instance settings enable “By default Ad-Hoc invoice is generated after successful payment/purchase. With this setting you can generate invoice earlier - immediately after billing”
In Pay as you go MIT contract enable “Automatically block payment when a payment fails and let Ocean unblock it when a repayment succeeds”
“Skip preauthorization” setting is not needed condition for this feature to have, but it is probably the best use case where Auto block payment and invoice repayment will get its true usability.
Transaction flow in Ocean
When users trigger manual repayment by clicking on Pay now button, purchase status will change to “Repayment by another purchase.”. On Successful transaction a new purchase will be created in Ocean with “Payment successful” status and “User repayment” type. At the same time user will be automatically unblocked by Ocean.
FAQs
What if I don’t want to block users when payment fails? Can they receive notification?
In this case users will still be able to see red alerts guiding them to the failed invoice where they can repay transaction but they will not receive a notification when payment fails. Notification is triggered only when users payments are blocked as well.
Can operators set whether they want to send out the Failed payment app notification or email or both?
Yes, operators can as well setup a corresponding email template type “Payment blocked”, while app notifications are sent out by default when a user gets blocked (because of a failed payment or being blocked manually by operator) and cannot be managed.