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Group Payments Are Difficult For A Single Person To Upfront

Enable your customers to split a payment across multiple people. 

Problem

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  • Inventory being held, how does it work in our system?
    We do not handle any of your systems inventory. Our system creates an order based on the products being paid for. Once the transaction has completed, you will be notified and how you handle this in your system is up to you.
  • reconcilliation, how does it work in our system?
    When a single or group payment is created you can store a reference ID within it (take a look at docs), to help reconcile with an internal reference order.
  • How do refunds work in our system?
    Hands In supports multiple refund flows, both through the Merchant Dashboard and API. In particular we support: Full group payment refunds Single customer refunds Partial customer refunds Otherwise, if you would like to make refunds outside of our platform, these can be done through finding and refunding payments through your connected PSP's dashboard as described here.
  • How does this work with charge backs?
    Please note that chargebacks are not managed by Hands In. We provide comprehensive payment information to assist you in handling any chargebacks directly with your acquirer. If you are struggling to find the reference to a payment on your PSP check out our docs for looking up a group payment here https://docs.handsin.co.uk/docs/how-to-find-a-group-payment-in-my-psp-dashboard
  • Is this product white-labelled?
    All of our custom built packages provide a completely white-labelled service. Our Pay As You Go plan will not offer white-label services. If you would like to receive a white-labelled version of our products, please get in contact with our sales team at sales@handsin.com
  • Is Hands In PCI Compliant?
    Hands In operates at a layer above payment service providers (PSPs), ensuring full PCI compliance. We do not store any card details within our system, and all card processing is handled by the PSP that you connect to your Hands In Merchant account.
  • How do you secure transactions for both customers and merchants?
    We support both SCA and 3DS on each card payment. This means that once a customer clicks the pay button on each card we will run card verification and if necessary will show them their bank's verification screen
  • When will the merchant receive the funds?
    We pre-authorize each card when a payer provides us with their card information. Funds are only deducted when the last person or card commits. If one person or card drops out, the payment can still proceed, as all other funds are temporarily placed on hold.
  • Can Hands In accept alternative forms of payment other than a card?
    No, this is a card-based solution only. If you're interested in us offering other alternative forms of payment, please contact us at contact@handsin.com.
  • Will this show up as a single payment?
    This constitutes a single payment with multiple transactions, which can be reconciled either within our system or through our API.
  • How does inventory hold work in this system?
    We do not handle any of your systems inventory. Our system creates an order based on the products being paid for. Once the transaction has completed, your system will be notified though webhooks and how you handle this in your system is up to you.
  • Can the checkout time be customised?
    Our system supports instant and delayed capture. The current maximum length of time we support for a payment authorisation can be is 7 days (168 hours). For delayed capture payments there is no minimum amount of time but we recommend a suitable amount of time to give everyone in the payment enough time to join, pay and complete the payment. This can also be tested via our sandbox.
  • How are payments captured?
    Our system is similar to how hotel payments are captured at check-in where a buyer typically has their card pre-authorized by the hotel upon checking in and then upon checking out the payment amount is then captured and the card is then settled. We do the exact same, upon each user agreeing to pay we pre-authorize the payment and freeze the funds in their bank account, once the total payment amount has been made up by the group the funds are captured from each users bank account and the cards are settled.
  • What happens if someone cancels but the rest of the group still wants to pay?
    If a group size changes and the total authorization amount per person changes, the original authorization amounts are cancelled and paid-up group members are required to re-authorize a new payment share. Card details are automatically saved at the checkout. So now when a group member cancels or defaults from payment and the remaining group members are required to reauthorize a new payment share an email is sent from Hands In to head back to the checkout and reauthorize the new payment amount. Completing and capturing the payment in seconds despite the drop off from one group member.
  • What happens when one of the participants fails to pay?
    Retailers and customers and provided a number of options. A) Lead booker removes: If someone drops out before the expiration date, the lead booker can remove them from payment. Other group members can pay on behalf of the dropout. B) Pay on behalf: Any other group member can pay on behalf of the unpaid participant. Meaning any group member can pay for somebody else that has not paid yet. C) Merchant does partial payment: We also support partial payments, so if a Merchant would still like to capture money from a group even though the total amount was not made up, they can. However, If a Merchant does NOT accept partial payments and someone has NOT paid into the group by the expiration date then we will void all the payments made into a group, returning all money back to the group members.
  • How long can the booking window be kept open?
    Our system supports both instant and delayed capture payments. The current maximum length of time we support for a booking window can be is 7 days (168 hours). There is no minimum amount of time but we recommend a suitable amount of time to give everyone in the payment enough time to join, pay and complete the payment. This can also be tested via our sandbox.
  • How many members can be in a group?
    At most 30. We recommend trying to keep the group size within 2 - 30 people. If you require bigger size groups please get in contact with us and we should be able to accommodate your request.
  • Am I able to white-label this solution?
    Yes, all of our solutions are completely white-labelled. Please get into contact with a member of our team or reach out to us via contact@handsin.com to learn more!
  • How do you reconcile the group payment?
    Each payment made into a group has a reference ID that is unique to the group payment. This information is stored in the group payment record. You are able to handle reconciliation by either searching for this ID within your connected PSPs or more easily, through our API you can fetch all the payment records made into a group payment.
  • Can someone pay on behalf?
    Yes you can pay on behalf of another member.
  • Can you remove someone from the group?
    Only the lead booker of the group is able to remove a member. The member must also not have made a payment.
  • How do I refund customers?
    You can refund customers via our Merchant Dashboard or API. We support both partial and full refunds at both the group and customer level enabling you to handle every refund scenario.
  • Will payment reminders be sent?
    We send out automated payment reminders to everyone in a group via email and SMS. Additionally, all participants can send reminders to others in the transaction. The schedule for automated reminders depends on the length of the booking window.
  • Does this solution work with dynamic pricing?
    We can support dynamic pricing, if required at the checkout by pre- authorising a slightly higher amount (with end-user approval) than the actual checkout.
  • How many cards can I pay across?
    This is set by the merchant business that is using our multi card solution via the Merchant API. Merchants can set a hard limit of the number of cards a multi card payment can consist of. If the merchant does not set a limit, then there is no restriction on the number of cards that can be used for a multi card payment.
  • Is this solution available at the checkout only?
    Multi Card payments work by rendering a web widget. This can be embedded onto any page on your website and is available using our JS SDK library for embeddable widgets.
  • How do you secure payments for each card?
    We support SCA and 3DS authentication flows on each card payment. This means that once a customer clicks pay for each card payment, we will perform necessary checks to ensure the card is not fraudulent and if necessary display their banks verification screen where they can authenticate each payment.
  • What is the minimum amount you can pay on each card?
    The minimum amount can vary depending on the payment gateway you use as well as the currency. Generally, the minimum is the equivalent to £1, however we recommend you double check this with your payment service provider/gateway.
  • What cards do you accept?
    Typically this will usually include card brands such as Visa, Mastercard, American Express, however we accept all cards that are accepted by the payment service provider/gateway that you connect to Hands In.
  • How does this work with refunds and chargebacks?
    We support issuing full or partial refunds to a single and multiple transactions. For example if you would like to issue a refund for the entire transaction purchase you can start a refund on the entire multi-card purchase. Otherwise if you would only like to refund a single card, you can select this via our dashboard and issue a single refund on one of the cards. Chargebacks are not handled by Hands In. We can provide you with all the necessary information on each payment to help you handle any chargebacks that arise, but this will be primarily dealt between you and your acquirer
  • Are you limited geographically?
    No, given we’re integrated into your existing gateway and acquiring infrastructure, we can operate in the same regions your PSPs can operate in.
  • Are you able to accept alternative forms of payment other than a card?
    No, this is a card-based solution only. If you’d be interested in us opening up other alternative forms of payment please let us know at contact@handsin.com
  • What happens if one of the card payments declines?
    The customer receives an error message and can attempt the payment again with another card.
  • How long can booking be kept open?
    Our system supports instant and delayed capture. Currently the maximum length of time a group payment can be is 7 days (168 hours). There is no minimum but we recommend a suitable enough of time to give everyone in the group enough time to join and pay. This can be tested via our sandbox.
  • Can I remove people from the transaction?
    Yes you can via our merchant dashboard.
  • What ways can my customers split a payment?
    Your customers have several ways to split a group payment when using Hands In. Currently, we support three main ways: equal, by item & fixed price. Equal split allows each member of the group to pay the same equal portion of the total amount, making it easy to split the payment evenly across the group. Split by item allows each member of the group to pay for the specific items they have been assigned. This can be useful when certain members of the group want to pay for specific items in the group payment's order that may cost more or less than what others want to pay for. Fixed price allows each member of the group to pay the same specific fixed amount. This can be perfect for groups that are buying products such as tickets, which all cost the same amount. In addition to these options, we are constantly working on adding more ways for your customers to split payments. Options include: Splitting by custom amounts, which would allow each member of the group to pay a custom amount/share of the total. Splitting across multiple cards, which would allow an individual to split the total cost of a payment across multiple cards. Payment installations also known as Buy Now Pay Later, which allows an individual to pay a total amount across an extended period of time such as 3 months If theres any options we have or have not mentioned here that you are interested in specifically, please feel free to reach out to us as we are happy to discuss them in further detail with you.
  • How do payment reminders work?
    Payment reminders are an essential part of ensuring that group payments are made on time and that everyone pays their fair share. Hands In sends out automatic payment reminders to all the group members who have not yet paid, we send these out on a scheduled basis. The frequency and number of reminders that we send out depend on the length of the checkout period. For group payments that last between 4-7 days, we send out four reminders to all group members, including at least two reminders to the merchant and lead buyer of the group as an overview of the group's payment status. For group payments that last between 2-4 days, we send out three reminders to all group members, including 1-2 reminders to the merchant and lead buyer of the group as an overview of the group's payment status. For group payments that last between 2 hours and 2 days, we send out one-two reminders to all group members, including one reminder to the merchant and lead buyer of the group as an overview of the group's payment status. For group payments that last less than 2 hours, we may send out at most one reminder to all group members and the merchant/lead buyer of the group as an overview of the group's payment status. However, for very short-length group payments, it's possible that no scheduled reminders are sent out. This is due to the fact that short lived group payments don't require any reminders as emails would have been sent out as normal to notify this person to join and pay anyway. By sending out automatic payment reminders, we help ensure that group payments are made in a timely manner, reducing the risk the group payment failing. This helps to make the payment process more convenient and efficient for everyone involved.
  • Do I have to add all of the group details?
    No, you can create a group just by entering the amount of money to capture, and adding the name and email of the group leader (also known as the lead booker/organiser).
  • What happens if one person drops out of the payment?
    You as a merchant as well as the group leader are able to kick them from the group.
  • How do I refund customers?
    Simply use our Merchant dashboard to find, view and refund. You are able to issue both partial and full refunds to the everyone in the group (full entire group refund) or even just a single customer in the group.
  • How long can the booking window be kept open?
    Our system supports both instant and delayed capture payments. The current maximum length of time we support for a booking window can be is 7 days (168 hours). There is no minimum amount of time but we recommend a suitable amount of time to give everyone in the payment enough time to join, pay and complete the payment. This can also be tested via our sandbox.
  • Can hands-in work with Amadeus or Sabre?
    Yes we are able to operate with your current GDS system.
  • Does hands-in support dynamic pricing?
    Yes, we are able to support dynamic fluctuating price changes during the entire checkout time window for a booking.
  • Can I use this with my pre-existing fraud analysis tool
    Yes, simply just set the "autocomplete" field of the payment to false and trigger your fraud analysis tool on the webhook event "PaymentCreated". From here your fraud tool can decide whether to decline or accept the payment.
  • How many PNRs are generated with a hands-in group/multi-card/pay by link payment?
    Only a single PNR is created
  • How long can the booking window be kept open?
    Our system supports both instant and delayed capture payments. The current maximum length of time we support for a booking window can be is 7 days (168 hours). There is no minimum amount of time but we recommend a suitable amount of time to give everyone in the payment enough time to join, pay and complete the payment. This can also be tested via our sandbox.
  • Can this work with my internal booking engine?
    Yes, we are interoperable between booking engines.
  • How do the captured funds get passed to my virtual card to pay the supplier?
    Once all the funds have been captured by your payment gateway(s) you can issue a virtual card to pay your supplier.
  • Does hands-in support dynamic pricing?
    Yes, we are able to support dynamic fluctuating price changes during the entire checkout time window for a booking.

Offer Group Payments At The Checkout

Solution

Lead booker can now select the option to split the payment as a group at the checkout.

Select

01

Customers invite fellow group members to the transaction via SMS, Email, QR, or by sharing a link.

Invite

03

Split

Customers can split the payment, whether this be equally, by each item or with custom amounts.

04

Pay

Each customer joins within the booking window to pay their individual share.
We capture the funds and seamlessly transfer them to your connected payment infrastructure

02

Key Features

Capture 100% of Data Profiles

Single payments enable you to capture just one payment record per transaction, while group payments allow you to capture multiple.
Enable Hands In to uncover all your hidden buyers and optimize their experience

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Tailored Checkout Time Windows

Hands In offers flexible checkout times, ranging from as short as 5 minutes to as long as 7 days. Tailor the checkout duration to suit both your customers and your business needs.

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Ability To Pay On Behalf of Others

Empower your customers to cover for absent group members by allowing them to step in and make payments when someone else can't join.

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Dynamic Pricing

We support price changes during checkout, so you can always charge the customer the right price.

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Real Time Payment Alerts

Rest assured, if a customer drops out, we promptly notify each group member in real-time, allowing for their removal and ensuring the smooth processing of the remaining payments.

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Option To White-label

Gain a competitive edge in the market with our white-labeling services, making your brand stand out in a crowded market.

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Interested & Want To
Learn More?

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