Describes flow of requests between Payment and Dating applications. === Conditions for offering step-down flow Original transaction submitted to **Payment App** must fail in certain way and there must be appropriate config (1) - **Payment Processor** must support `step-down flow`. At the moment only Credit Card processors support this. - Transaction amount must be greater or equal to USD 2.5. Non-USD currencies are converted to USD using `Currency_Rates_Model` before this check. - Original transaction must fail with either -- NSF error - code 608, or -- Declined General - code 610 __and__ submitted Credit Card is either **prepaid** or **gift** card (2) === Offering the step-down flow to partner If above conditions are met, and there is a configuration match (3) then **Payment App** will offer step-down flow to **Partner**. Step-down flow is offered by setting following additional parameters in `transaction.finish` response (all other parameters in response will be set to those of original transaction) : - `step_down_condition` = true - `step_down_percent` - `step_down_retry` = 1 - `step_down_amount` === Partner follows `step-down` flow When **Partner** detects that the step-down flow is offered by `transaction.finish` response (by checking `step_down_condition` parameter), he can opt to follow `step-down` flow. WIP (need to look into exact details for uprp's)

Describes flow of requests between Payment and Partner (Dating VIP, DBE ...) applications. === Conditions for offering step-down flow Original transaction submitted to **Payment App** must fail in certain way and there must be appropriate config (1) - **Payment Processor** must support `step-down flow`. At the moment only Credit Card processors support this. - Transaction amount must be greater or equal to USD 2.5. Non-USD currencies are converted to USD using `Currency_Rates_Model` before this check. - Original transaction must fail with either -- NSF error - code 608, or -- Declined General - code 610 __and__ submitted Credit Card is either **prepaid** or **gift** card (2) === Offering the step-down flow to partner If above conditions are met, and there is a configuration match (3) then **Payment App** will offer step-down flow to **Partner**. Step-down flow is offered by setting following additional parameters in `transaction.finish` response (all other parameters in response will be set to those of original transaction) : - `step_down_condition` = true - `step_down_percent` - `step_down_retry` = 1 - `step_down_amount` === Partner follows `step-down` flow When **Partner** detects that the step-down flow is offered by `transaction.finish` response (by checking `step_down_condition` parameter), he can opt to follow `step-down` flow. WIP (need to look into exact details for uprp's)

Describes flow of requests between Payment and Partner (Dating VIP, DBE ...) applications. === Conditions for offering step-down flow Original transaction submitted to **Payment App** must fail in certain way and there must be appropriate config (1) - **Payment Processor** must support `step-down flow`. At the moment only Credit Card processors support this. - Transaction amount must be greater or equal to USD 2.5. Non-USD currencies are converted to USD using `Currency_Rates_Model` before this check. - Original transaction must fail with either -- NSF error - code 608, or -- Declined General - code 610 __and__ submitted Credit Card is either **prepaid** or **gift** card (2) === Offering the step-down flow to partner If above conditions are met, and there is a configuration match (3) then **Payment App** will offer step-down flow to **Partner**. Step-down flow is offered by setting following additional parameters in `transaction.finish` response (all other parameters in response will be set to those of original transaction) : - `step_down_condition` = true - `step_down_percent` - `step_down_retry` = 1 - `step_down_amount` === Partner follows `step-down` flow When **Partner** detects that the step-down flow is offered by `transaction.finish` response (by checking `step_down_condition` parameter), he can opt to follow `step-down` flow. WIP (need to look into exact details for uprp's)