Introduction

This document explains Stand-In processing, a feature of Segpay's transaction processing system. Stand-In processing is configured in the Merchant Portal. It helps reduce transaction losses caused by network disruptions that prevent receiving an authorization from the bank.

What is Stand-In Processing?

Stand-In processing helps merchants reduce transaction losses caused by network disruptions. Network disruptions include:

• bank is unavailable
• network issues prevent delivery of a transaction to the bank
• the credit card network is offline

If network issues prevent a transaction from being transmitted to the bank, then the Stand-In Processing Service starts and temporarily approves the purchase. Stand-In keeps customers from experiencing downtime and inconvenient situations where they can't use their cards to pay for and access their purchases.

When the Stand-In Service processes a transaction, the purchase status becomes Temporary Approval. In the background, the Stand-In transaction is retried every 2 hours until an authorization response from the bank is received.

Configuring My Account for Stand-In Processing

Enabling Stand-In Processing reduces transaction losses when network disruptions occur. If a transaction can’t be transmitted to the bank for authorization, then the Stand-In Processing Service starts and temporarily approves the purchase. It gives the customer access to their purchase, and once network communication is restored, the transaction is sent and authorized by the bank.

This procedure explains how to configure Stand-In processing in Merchant Portal.

1. Log into the Merchant Portal: https://mp.segpay.com/
2. From the Merchant Portal navigation menu, go to My Websites > Manage Packages
   
3. If you have more than one Merchant account, select the account from the Account drop-down menu.
   
4. Select a package to Edit.
   
5. On the Package tab, select the checkbox, StandIn Enabled, and click Save.
   

Viewing Active Members Report for Stand-In Processing

The Active Members report shows purchases that are in Stand-In processing. This procedure explains how to list active member transactions that are in Stand-In processing.

1. Log into the Merchant Portal: https://mp.segpay.com/
2. From the Merchant Portal navigation menu, go to Performance Reporting > Active Members.
   
3. Click the Accounts drop-down menu and select your account. Then click the Member types drop-down menu and select Temporary Approved only.
   
4. Click Generate Report.
   
5. The report lists all the Purchase IDs with Membership Type as TemporaryApproved and Membership Status as Temporary Approval which indicate the transactions are in Stand-In processing.
   

Viewing My Consumers for Stand-In Processing

My Consumers in Merchant Portal shows Stand-In transactions with a Temporary Approval status. This procedure explains how to find purchases in My Consumers that are in Stand-In processing.

1. Log into the Merchant Portal: https://mp.segpay.com/
2. From the Merchant Portal navigation menu, go to My Consumers > Manage Consumers.
   
3. Click the Find purchase by drop-down menu and select one of items from the list to search by.
   
4. Click Find.
   
5. In the search results, notice the Status column, which should show Temporary Approval for purchases in Stand-In processing. Click the Purchase ID link to view the purchase details.
   
6. On the View Purchase page, look for the Temporary Approval status in 2 places: Purchase Information and Initial Transaction/Subscription Details.
   
   Purchase Information Status:
   
   
   Initial Transaction/Subscription Details:
   

FAQ

This section lists frequently asked questions regarding Stand-In Processing.

Can You Exclude Specific Price Points?

No. Stand-In cannot be enabled for Price Points. Stand-In processing is only available for Packages.

What happens when a Stand-In Transaction is Approved?

The Stand-In process stops when the transaction is successfully transmitted to the bank, and the bank responds with an approval. When this happens, the purchase status updates to Active or Non-Recurring.

What happens when a Stand-In Transaction is Declined?

The Stand-In process stops when the transaction is successfully transmitted to the bank, and the bank responds with a decline. When this happens, the transaction is voided, and notifications are sent to the merchant. The consumer receives a VOID email. A cancellation email is also sent to the consumer if the transaction was for a recurring subscription.

How will Postbacks look?

Postback links contain a Stand-In reference.

This table defines each of the Stand-In values found in postback links:

Does Stand-In Affect Payout?

No. Stand-In doesn’t impact payouts. Transactions are invoiced normally.

Are there Consumer Self-Service Portal Updates?

Yes. Updates in the Consumer Self-Service portal related to Stand-In processing include Transaction Details, Manage Subscriptions, and Card Updater. Each of these updates is described in the next sections.

Viewing Transaction Details Update

A transaction that is in Stand-In shows temporary approvals in the Transaction Details view.

1. Click the Transaction Details icon:
   
2. The Transaction Details window shows the status of the purchase as Temporary Approval and the transaction as a Temporary Approved:
   

Managing Subscriptions

Consumers are able to manage a subscription that’s temporarily approved during Stand-In processing. The status of the subscription shows Temporarily Approved, and the consumer has the option to cancel the subscription as long as it’s Recurring.

Cancelling Recurring Subscription in Stand-In:

1. The purchase status shows Temporarily Approved. Click the Cancel Membership icon:
   
2. Click the Cancel My Subscription button:
   

Updating Card Information not Available

Consumers won’t be able to update credit card information for a subscription purchase with the status, Temporarily Approved. This means the Update my Card Information icon isn’t visible until the purchase status changes to Active.

Getting Help

If you need help or have suggestions for this feature, please contact us at [email protected].