| « PreviousNext » | |
  | Did this page help you? Yes | No | Tell us about it... |
Using Postpaid Payment Tokens
A postpaid payment token is a container for a postpaid credit instrument. A postpaid credit
instrument is like a credit card. A sender agrees to pay for purchases at some point after the sales
date. Individual charges are aggregated over time and summed into a single settlement
transaction—typically made payable at regular intervals. You, as the recipient, are willing
to extend the sender credit for some duration of time before the debt is paid. The sender uses the
instrument to pay for items. Money from the sender does not move until the sender pays off the debt
using a SettleDebt request.
There is a fee for this service. For example, when a sender settles his debt Amazon FPS deducts a transaction fee. For example, if the settlement is $10, Amazon FPS might subtract a transaction of $0.30 and deposit the remainder in your Amazon Payments account.
By setting parameters in the Co-Branded service request that creates the postpaid credit instrument,
you can constrain its use in many ways, including making it expire, establishing a minimum or maximum
single charge, or setting a maximum balance. When the debt balance reaches the accumulated debt
specified by the instrument, Amazon FPS rejects further Pay requests associated
with that instrument.
The SettleDebt action moves money from the sender to the recipient directly.
Accounting for the postpaid debt, however, is handled by Amazon FPS. The
SettleDebt action reduces the debt owed by the instrument. Using a postpaid
payment token with a Pay request increases the accumulated debt. Using the Pay
and SettleDebt actions enables Amazon FPS to do the accounting on the postpaid
instrument, i.e., adding to or subtracting from the postpaid debt.
A Pay request using a postpaid payment token is like any other
Pay request, except that the sender token uses the
CreditInstrumentId as the payment method instead of a credit card, a bank
account, or the Amazon Payments account balance. For more information, see Making Payments.
Viewing Debt
Senders cannot view their debt balances on payments.amazon.com. You can, however, use GetDebtBalance to
display a sender's debt on your website programmatically.
To return the debt associated with a postpaid token
Issue a request similar to the following.
https://fps.sandbox.amazonaws.com? Action=GetDebtBalance &AWSAccessKeyId=AKIAIOSFODNN7EXAMPLE &CreditInstrumentId=553IBMFCG7Z8J4D1H7BB3HMNPFQQUPVUNT8RHCT1AXDJNXE6LJZ4KSKU2PI1TTIG &Signature=4nwBSR0wrlBcy%2BWZz08TXcnGth1Qbln15IxocPDNukQ%3D &SignatureMethod=HmacSHA256 &SignatureVersion=2 &Timestamp=2009-10-07T11%3A20%3A33.609Z &Version=2008-09-17
CreditInstrumentId identifies the postpaid credit instrument and is
returned by the Co-Branded service request that creates the postpaid payment token. For more
information about the parameters, see GetDebtBalance.
Settling a Debt
You must implement the action so the sender can reduce or eliminate the debt
accumulated from the use of the postpaid credit instrument. SettleDebt
decrements the debt balance by the settlement amount and moves money from the sender's
payment instrument specified in the postpaid Co-Branded service request to the recipient’s Amazon
Payment account. For more information about the action, see SettleDebt.
A transaction fee is deducted from the settlement amount and remaining amount is deposited into
the recipient's account. For example, If the debt balance is $100, the settlement amount
is $90, and the Amazon FPS fee is $2.50 then the SettleDebt operation
transfers $87.50 into the recipient's account and decrements the debt balance by $90. The
debt balance becomes $10.
You can use SettleDebt to settle a debt multiple times. The Postpaid Token
API response includes a reference to the postpaid instrument,
CreditInstrumentId, which you must include in a
SettleDebt request.
To reduce a debt balance
Issue a request similar to the following. The value to use for the
SenderTokenIdis thesettlementTokenIDyou received from the Postpaid Token API response (and not the value of thecreditSenderTokenID). For information about the Postpaid Token API, see Postpaid Token API.https://fps.sandbox.amazonaws.com? Action=SettleDebt &AWSAccessKeyId=AKIAIOSFODNN7EXAMPLE &CallerDescription=MyWish &CallerReference=CallerReference13 &CreditInstrumentId=553IBMFCG7Z8J4D1H7BB3HMNPFQQUPVUNT8RHCT1AXDJNXE6LJZ4KSKU2PI1TTIG &SenderTokenId=543IJMECGZZ3J4K1F7BJ3TMNXFBQU9VXNT7RRCTNAJDJ8X36L1ZRKSUUPPIBTTIK &SettlementAmount.CurrencyCode=USD &SettlementAmount.Value=1 &Signature=pwHqzj8Y1aQ1TFcer9aXCFkawg8PmIRcmOelQWvsvaQ%3D &SignatureMethod=HmacSHA256 &SignatureVersion=2 &Timestamp=2009-10-07T11%3A44%3A48.203Z &Version=2008-09-17
The previous sample request reduces the debt balance by $15.50 USD.
Important
The Refund operation does not support debt settlements.
Refund Debt Transactions
Recipients can reverse a debt transaction using Refund but cannot
refund a debt that has been settled. For more information, see Refunding a Prepaid or Postpaid Transaction.
Writing Off Debt Balance
You might want to write off some or all of a sender's debt balance for business reasons, such as adjusting for errors, applying a promotional discount, or writing off a bad debt. Writing off debt is fundamentally different from settling debt because although writing off debt reduces the debt balance, you do not receive any money.
To write off debt
Issue a request similar to the following.
https://fps.sandbox.amazonaws.com? Action=WriteOffDebt &AdjustmentAmount.CurrencyCode=USD &AdjustmentAmount.Value=1 &AWSAccessKeyId=AKIAIOSFODNN7EXAMPLE &CallerDescription=MyWish &CallerReference=CallerReference14 &CreditInstrumentId=553IBMFCG7Z8J4D1H7BB3HMNPFQQUPVUNT8RHCT1AXDJNXE6LJZ4KSKU2PI1TTIG &Signature=5hNBxQ3ozBLj3auHDFMg3Mf41w3C0GIf%2F3r6VCoJP%2B0%3D &SignatureMethod=HmacSHA256 &SignatureVersion=2 &Timestamp=2009-10-07T11%3A47%3A30.296Z &Version=2008-09-17
This request reduces the debt balance on the CreditInstrumentId by
$12.00. The write-off amount cannot exceed the debt balance on the postpaid credit instrument.
You cannot reverse a write-off debt operation.
