How to Apply Two or More Credit Cards to an Order

How to Apply Two or More Credit Cards to an Order

How do you handle an online order if the customer asks if they can pay using two different credit cards?

The Volusion system does not allow the customer to enter multiple credit cards when submitting an order, but it does allow the merchant to do this manually on behalf of the customer after the order has been submitted. Here are the details.

Prerequisites

  1. The merchant needs to have a "non-payment" payment type configured in their Volusion catalog. Something like "Split Payments Across Two Cards" or whatever you want to call it.
  2. The merchant must receive the credit card information for the multiple cards from the customer in a secure manner.
  3. The merchant needs to understand that only the first payment (e.g. credit card) used in this process will be checked against Volusion's Fraud Score system, and subsequent payments/cards will not be checked against the Fraud Score system.

Customer Placing the Order

When the customer is on the Checkout page, they would need to select the "non-payment" payment type (e.g. "Split Payments Across Two Cards"). They will not be prompted for their credit card information on the Checkout page.

When the merchant receives this order and sees the "Split Payments Across Two Cards" payment type (or whatever it might be called), the merchant will need to reach out to the customer to securely obtain the credit card details for the customer's multiple cards.

Merchant Applying Multiple Payments

Once the merchant receives the order confirmation email message, they need to log into the Volusion Admin area and look up the order in the "ORDERS / Process Orders" area.

On the order details page, scroll down and click the "Payments" heading to view the payment details section (if not already shown).

The Payments section can be used to debit different amounts from multiple credit cards, one at a time.

Perform the following steps for each credit card that will be used to pay a portion of this order's total owing:
  1. Enter the dollar amount for this credit card in the input field which is beside the "Debit" drop-down list (e.g. 50.00). Do not click the [RECEIVE] button yet.
  2. Under the "Change Payment Type" heading, select the "Credit Card" option.
  3. Enter the customer's credit card details for this credit card (e.g. type, card number, name on card, expiration date, security code).
  4. Click the [APPLY PAYMENT METHOD] button.
  5. After clicking the [APPLY PAYMENT METHOD] button, ensure the "Debit or AUTHORIZE" option is set to "Debit" and then click the [RECEIVE] button to perform the debit from this card. (However, if you have your catalog set to do Authorizes first, then select the "AUTHORIZE" option instead of Debit before clicking [RECEIVE]).
  6. Loop back and perform these same steps for the next credit card.
You can determine the current net balance still owing by looking at the details under the "Details" heading. Ensure that the "Total Due:" is shown as $0.00 to confirm that the multiple payments have covered the full amount due.

Not Just Credit Cards

This method of using multiple payments is not limited to just credit cards. Any combination of your available payment types can be used to satisfy the payment requirements for a given order.

Temporary or Permanent?

If a merchant doesn't want the "Split Payments Across Two Cards" payment option to always be available on their catalog, they can disable this payment type after a customer uses it, and only re-enable it whenever a subsequent customer asks for this capability (and then disable it again after that subsequent customer uses it to submit an order).

Enable or disable a payment type in the following area of Volusion Admin: SETTINGS / Payment / MORE PAYMENT TYPES: check or uncheck any payment type, click [SAVE]

Screen Shot

Here's an example screen shot of where the credit card details will be entered for each card in the Payments section of the order details page.