Stand-In

This section covers the Stand-In processing feature within Segpay's payment options. Stand-In processing prevents immediate transaction declines during short-term bank communication issues, offering customers a smoother and potentially more successful payment experience.

Stand-In Overview

Stand-In is an optional process activated when Segpay encounters communication barriers with a bank. Instead of issuing a decline, Segpay temporarily approves the transaction. This transaction is then retried up to three times every two hours until the bank responds with an authorization, a decline, or the maximum number of retries are exhausted.

Benefits of Using Stand-In

Stand-In is especially effective for small-dollar trial subscriptions, where the merchant cost for granting temporary access remains minimal. To utilize Stand-In processing with Segpay, choose the “Enable Stand-In” option during the payment package configuration in the Merchant Portal. For more information, see our article: Stand-In Processing

How Stand-In Works

When Stand-In receives initial approval, it initiates three postback notifications: Inquiry, Enable, and Trans Post. The Trans Post includes the parameters transid and purchaseid.

Stand-In Notifications

If a Stand-In transaction is declined, two postback notifications A postback notification is an automated message sent to a merchant's server from a payment system. This message provides real-time updates about the status or outcome of a specific transaction. It allows the merchant's system to automatically capture and act upon this data, ensuring timely and relevant responses to payment events. are sent:

• A new Trans Post: This will include the same transid and purchaseid values from the original temporary approval so you can easily tie the two together.

• A Disable: If a username is associated with the signup, a disable is sent to disable the consumer's access.

Stand-In Reports

The following Segpay SRS reports will include the final decline:

• Assets Active Subscriptions by URL

• Transactions List Declined

• Transactions Purchases by URL