Abhishek012
TF Pioneer
RuPay card user now be able to pay for on-board flight service & your money will be debited when the flight lands:
Deferred authorization solution for RuPay Credit Card -
Deferred Authorization payment enables RuPay credit card purchases in offline scenarios like flights, cruises etc. In this transaction, the authorization process is deferred until the POS terminal reconnects back, to offer purchase of various products and services to enhance the consumer experience. All the validations of Card Present POS transactions shall be applicable for Deferred Authorized transactions.
Please find below processing flow of inflight use case for deferred authorization solution -
Step 1: On-board Sales- During the flight, airlines shall offer a selection of products and services for purchase, such as food and beverages, entertainment, Wi-Fi access, and more.
Step 2: Card Payment Acceptance- To facilitate these purchases airlines equip their flight attendants with portable POS terminal. These devices are capable of accepting credit card payments securely.
Step 3: Card Processing- When a passenger decides to make a purchase, the staff will present the POS terminal to the passenger, who can then insert or tap their credit or debit card to initiate the transaction.
Step 4: During the initial purchase process, the payment system will temporarily defer the authorization step. This will be done at terminal end by storing the Track2 and PIN data of the card which will further get stored in data base with Payment Card Industry Data Security Standard (PCI DSS & PCI PTS) recommended encryption method.
Step 5: Post-Purchase Authorization- once the flight gets landed and terminal comes in network connectivity the stored transaction will be sent to issuer for details validation and the response(approved/decline) will be provided to terminal operator.
Step 6: Receipt & Completion of Payment- The passenger receives a receipt for the transaction. Once the user successfully gets the transaction completion message from Issuer then the transaction will get completed.
NPCI request member banks to enable Deferred Authorization solution for RuPay customers by considering the below benefits to both customers and merchants:
Deferred authorization solution for RuPay Credit Card -
Deferred Authorization payment enables RuPay credit card purchases in offline scenarios like flights, cruises etc. In this transaction, the authorization process is deferred until the POS terminal reconnects back, to offer purchase of various products and services to enhance the consumer experience. All the validations of Card Present POS transactions shall be applicable for Deferred Authorized transactions.
Please find below processing flow of inflight use case for deferred authorization solution -
Step 1: On-board Sales- During the flight, airlines shall offer a selection of products and services for purchase, such as food and beverages, entertainment, Wi-Fi access, and more.
Step 2: Card Payment Acceptance- To facilitate these purchases airlines equip their flight attendants with portable POS terminal. These devices are capable of accepting credit card payments securely.
Step 3: Card Processing- When a passenger decides to make a purchase, the staff will present the POS terminal to the passenger, who can then insert or tap their credit or debit card to initiate the transaction.
Step 4: During the initial purchase process, the payment system will temporarily defer the authorization step. This will be done at terminal end by storing the Track2 and PIN data of the card which will further get stored in data base with Payment Card Industry Data Security Standard (PCI DSS & PCI PTS) recommended encryption method.
Step 5: Post-Purchase Authorization- once the flight gets landed and terminal comes in network connectivity the stored transaction will be sent to issuer for details validation and the response(approved/decline) will be provided to terminal operator.
Step 6: Receipt & Completion of Payment- The passenger receives a receipt for the transaction. Once the user successfully gets the transaction completion message from Issuer then the transaction will get completed.
NPCI request member banks to enable Deferred Authorization solution for RuPay customers by considering the below benefits to both customers and merchants:
- It provides a smoother and faster checkout experience, reducing the need to enter payment details for every purchase.
- This payment solutions by card offer convenience to passengers as they do not need to carry cash for on-board purchases.
- It also benefits by increasing on-board sales revenue and reducing the complexity of handling cash during flights, cruise etc.
