A unique feature of the InterPay™ gateway is the ability for registration platforms to leverage the flow of funds through the payment gateway to provide additional functionality to their merchants.
A typical use case occurs when multiple parties are involved in providing a service and each of them should receive part of the sale. However, it is important that the cardholder only enters their card data once and only sees one transaction with the expected merchant name on their credit card bill.
Here is an example where a Baseball Club collects one registration fee from the parent and is able to transfer the membership fee to the national governing body, pay the provincial governing body who manages ordering uniforms, and also pay the Integration Partner to provide the website and distribute the funds.
| TERMID | PARTY NAME | COST |
| BASEBALLTID | Baseball Club (this is the merchant that the paying parent sees) | $ 60.00 |
| NATLBODY | National Governing Body | $ 10.00 |
| PROVBODY | Provincial Governing Body | $ 30.00 |
| REGPARTNER | Integration Partner | $ 5.00 |
| Total Sale Amount: | $ 105.00 |
The Integration Partner’s platform would process the sale using the Baseball Club’s Terminal ID as normal:
TERMID=BASEBALLTID&PASS=MYPASS&REF=ABCD1234&TYPE=S&AMT=10500&CARD=1234123412341234&EXPIRY=0101&INV=12345Then a transfer is sent to each of the recipients:
TERMID=BASEBALLTID&PASS=MYPASS&REF=BCDEF1234&TYPE=T&SUBTYPE=SEND&TRANGP=BBALLCLUB&RECV=NATLBODY&AMT=1000&INV=12345&MSG=MEMBERSHIP FEE
TERMID=BASEBALLTID&PASS=MYPASS&REF=CDEFG1234&TYPE=T&SUBTYPE=SEND&TRANGP=BBALLCLUB&RECV=PROVBODY&AMT=3000&INV=12345&MSG=UNIFORM FEE
TERMID=BASEBALLTID&PASS=MYPASS&REF=DEFGU1234&TYPE=T&SUBTYPE=SEND&TRANGP=BBALLCLUB&RECV=REGPARTNER&AMT=500&INV=12345&MSG=PARTNER FEEThe transfers could be sent immediately after each transaction or collected throughout the day and combined into a single balancing transfer for each recipient. Another option would be to send the transfer message after each service has been completed by the recipient.
Note: There are other options for billing your users such as the Partner Charges feature.
For more details or options, ask us!
The main difference between the per-transaction or bulk transfer options is whether the transfer needs to be tagged to an invoice number or not. If the transfer is tagged then it will appear as part of the invoice report both on PaymentsHQ reporting and the invoice query result.