Payment with cashback

Payment with cashback is used when the customer requests an amount to be paid in cash from the merchant to the customer. The amount is then added to the requsted amount in the payment request.

Payment with cashback is performed as a Payment request. The cashback amount is added as CashBackAmount in the AmountsReq data structure of the Payment request. The formats is the same as for RequstedAmount. The RequestedAmount includes the CashBackAmount. The approved cashback amount is included as CashBackAmount in the AmountsResp data structure. The AuthorizedAmount includes the CashBackAmount.

For BankAxept KIB ("kontanttjenester i butikk") cashback the merchant must a set "fraud suspicion" flag, also called I-flag in the message. This flag is included by adding the 'AeIFlag' property into the SaleData data structure as indicated in the example. The value 1 is used if the cashier suspects fraud, otherwise 0. Since the I-flag is sensitive the value of the I-flag shall be masked in the logs.

Example Payment request with cashback amount and I-flag (Iflag) set

{
  "SaleToPOIRequest": {
    "MessageHeader": {
      "ProtocolVersion": "3.1",
      "ServiceID": "2",
      "MessageClass": "Service",
      "MessageCategory": "Payment",
      "MessageType": "Request",
      "SaleID": "ECR123",
      "POIID": "AT12345"
    },
    "PaymentRequest": {
      "SaleData": {
        "SaleTransactionID": {
          "TransactionID": "12345678",
          "TimeStamp": "2024-04-18T22:16:13.178+02:00"
        },
        "AeIFlag": 0
      },
      "PaymentTransaction": {
        "AmountsReq": {
          "RequestedAmount": 223.56,
          "CashBackAmount": 100
        },
      },
      "PaymentData": {
        "PaymentType": "Normal"
      }
    }
  }
}

Note: A merchant may accept both normal cashback and cashback as part of the KIB service. If the I-flag (Iflag) is included, the Payment request is interpreted as a KIB-request, otherwise not. Generally, support for KIB or normal cashback needs to be included in the Aera merchant agreement. If not, Payment requests with cashback are declined. For services not offered through the Aera acquiring agreement, such as ("kontanttjenester i butikk") services, the merchant must enter into a separate merchant agreement directly with the issuer/ acquirer in order for these services to be accepted.