# Alternate Paths source: https://developer.mastercard.com/account-to-account-commerce-for-dsp/documentation/use-cases/alternate-paths/index.md ## Alternate Paths {#alternate-paths} ### Case 1 {#case-1} | | | |------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Summary** | Unable to login to the debtor service provider app. | | **Description** | The debtor is unable to login to the debtor service provider app due to invalid authentication. | | **Action to be taken by the creditor service provider/creditor** | The creditor service provider should timeout if the confirm payment is not received from Mastercard after the sum of retrievalExpiryTimeInterval and confirmationExpiryTimeInterval (received from the payment response). The creditor should mark the payment as pending confirmation (unless declined) and request the debtor to check after some time. | | **Action to be taken by the debtor service provider/debtor** | The debtor service provider can request the debtor to reset the login credentials, but the debtor service provider should make sure to retrieve the payment details (where applicable) from Mastercard within 250 seconds from redirection. The debtor service provider should make sure to adhere to the confirmationExpiryTimeInterval returned from Mastercard for consuming the confirm payment service. The payment will be marked as "Late Authorized" if confirmed after the time set by confirmationExpiryTimeInterval. | ### Case 2 {#case-2} | | | |------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Summary** | Connectivity issue during credit transfer. | | **Description** | The debtor service provider is unable to push credit transfer to the Real Time Payment network due to a connectivity issue. | | **Action to be taken by the creditor service provider/creditor** | The creditor service provider should timeout if the confirm payment is not received from Mastercard after the sum of the retrievalExpiryTimeInterval and confirmationExpiryTimeInterval(received from payment response). The creditor should mark the payment as pending confirmation (unless declined) and request the debtor to check after some time. | | **Action to be taken by the debtor service provider/Debtor** | The debtor service provider should send the payment confirmation within confirmationExpiryTimeInterval. The payment will be marked as "Late Authorized" if confirmed after the time set by confirmationExpiryTimeInterval. | ### Case 3 {#case-3} | | | |------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Summary** | The debtor cancels the payment. | | **Description** | The debtor accidentally clicks the Cancel on the debtor service provider app during payment confirmation. | | **Action to be taken by the creditor service provider/creditor** | The creditor should display the payment failed message and request the debtor to either retry or use an alternate payment method. | | **Action to be taken by the debtor service provider/Debtor** | Mastercard recommends the debtor service provider to display a pop-up message "Are you sure you want to cancel?" to confirm their selection. If the debtor still cancels, redirect the debtor to the creditor's app/website. | ### Case 4 {#case-4} | | | |------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Summary** | The debtor is not redirected to the creditor app. | | **Description** | After a successful payment, the debtor wasn't redirected to the creditor's site. | | **Action to be taken by the creditor service provider/creditor** | The creditor service provider should timeout if the confirm payment is not received from Mastercard after the sum of the retrievalExpiryTimeInterval and confirmationExpiryTimeInterval (received from the payment response). The creditor should mark the payment as pending confirmation (unless declined) and request the debtor to check after some time. The creditor service provider should use the status retrieval API to confirm the status of the payment and accordingly modify the status in their app. | | **Action to be taken by the debtor service provider/Debtor** | The debtor should check the debtor service provider app to verify the payment status and contact the creditor to confirm the status. | ### Case 5 {#case-5} | | | |------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------| | **Summary** | Payment confirmation not received by the creditor. | | **Description** | The creditor hasn't received payment confirmation but has received the redirection of the debtor from the debtor service provider app. | | **Action to be taken by the creditor service provider/creditor** | The creditor should display the transaction as pending confirmation and use the status retrieval API to obtain the status. | | **Action to be taken by the debtor service provider/Debtor** | The debtor should check the payment status after some time. | ### Case 6 {#case-6} | | | |------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | **Summary** | Unable to launch the debtor service provider app. | | **Description** | The debtor clicks Pay in the creditor app but loses connectivity before the debtor service provider app is launched. | | **Action to be taken by the creditor service provider/creditor** | The creditor should timeout after the sum of the retrievalExpiryTimeInterval and the confirmationExpiryTimeInterval (received from the payment response). If the connectivity is restored before the timeout, it will depend on the creditor's capability to continue with the transaction or reactivate the Pay button. | | **Action to be taken by the debtor service provider/Debtor** | There is no action for the debtor service provider or the debtor. | ### Case 7 {#case-7} | | | |------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------| | **Summary** | Insufficient funds | | **Description** | The debtor has insufficient funds to continue with the payment. | | **Action to be taken by the creditor service provider/creditor** | The creditor should display the message "Insufficient Funds" to the debtor and retry using an alternate payment method. | | **Action to be taken by the debtor service provider/Debtor** | The debtor service provider should reject the payment with a transaction status reason of "FNDI". |