The multi-use payment token is a usage-based payment instrument that you can constrain in a few ways or in many ways. For example, you can constrain the allowed charge amount per time period, (such as a day, a week, a month, or the token's lifetime). You can also constrain the token to pay at least a minimum amount per transaction, or to be used only a specific number of times in any time period. Or, you can use multi-use payment tokens to pay more than one recipient.
You can use the multi-use payment token for open-ended payments where the total is not known beforehand. You might own a music download company that charges a set fee per month for membership and a fee for each download. Before the subscriber downloads each song, you add the download fee to the monthly membership fee and arrive at the current monthly bill. If the total is within the prescribed boundaries of the multi-use payment token, you can allow the music download and charge the subscriber. If the total exceeds the maximum authorized dollar amount associated with the payment token, you display a message and refuse to download unless the subscriber authorizes additional spending.
You, as the caller, can use this token to charge the sender multiple times to pay one or multiple recipients. You cannot use a multi-use token to charge the sender for an unlimited amount or for unlimited amount of time.
If you charge your customers at a regular interval for a fixed amount, you should use a recurring token instead. For more information, see Recurring Payment Tokens.
A multi-use token provides the flexibility of usage based on restrictions or limitations. You can specify two types of restrictions for a multi-use token:
Amount Limit—Limiting the maximum amount
This specifies the maximum amount that can be charged using the token within a specified period of time or for the lifetime of the token. For example, the token can be used for a maximum amount of $30 in a month starting from August 10, 2008 or for a maximum amount of $30.
Usage Limit—Limiting the number of uses
This specifies the maximum number of times you can charge the token within a specified period of time or for the lifetime of the token. For example, the token can be used a maximum of 10 times or for 10 times per day starting from August 10, 2008.
A maximum of three usage restrictions can be specified for a multi-use token. For example, a combination of usage restrictions mentioned in the preceding list restricts a token to be used 10 times a day for a maximum of $30 in a month.
Amazon FPS requires you to always set the maximum amount limit.
In addition to the usage restrictions, you can also set one of the following restrictions on the transaction amount. These apply individually to each transaction and not across multiple transactions:
Maximum transaction amount for each transaction
Minimum transaction amount for each transaction
Exact transaction amount for each transaction
A multi-use token can be used to pay multiple recipients in a marketplace application. To enable this, the calling application should specify the list of recipients that will receive payments. Once the list of recipients are specified in the token, it cannot be modified.
The following figure shows the typical buyer experience of authorizing the multiple payment token and then, later, purchasing items within the limits of that payment token at different times.
Authorizing and Using a Multi-Use Payment Token
|1||Your web site takes the buyer through the checkout process.|
|2||If the buyer chooses Amazon Payments, your Pay Now button code constructs and sends a Co-Branded service request that includes the multi-use payment token parameters. The Pay Now button code also redirects the buyer to the CBUI web pages that Amazon hosts.|
|3||The buyer selects a payment instrument and authorizes the purchase.|
|4||The CBUI redirects the buyer to the URL specified in the
|5||When the status changes to |
|6||At some point, you use the payment token for a purchase without getting
additional authorization from the buyer. To facilitate the purchase, you
send a |
|6||Later, you send additional |