For scenarios where the customer pays only part of the total product price upfront:

• Partners should send only the amount being paid today, marking isPartialPayment: true.
• If using the widget, it'll display the applicable payment terms to the customer.
• If building a custom UI, display the payment terms from our quote response on your front-end.
• As additional payments are made, the partner can requote to update coverage and reflect incremental premiums.

This approach ensures coverage always matches what the customer has actually paid, preventing any over-refunding or misalignment with the partner’s payment plan.

For purchases using third-party financing (e.g., Affirm, Klarna):

• Quote the full product price upfront, even if the customer pays in installments through the BNPL provider.
• No requote is needed for subsequent payments, since the customer remains responsible for the full amount.
• This ensures coverage always matches the full purchase price, eliminating any over-refund risk.

When applying promo codes or discounts, treatment depends on how your checkout is set up:

• Single-item discounts: Apply directly to the item.

• Transaction-wide discounts: Spread the discount proportionally across all items.

• Always ensure the coverage matches the customer’s actual out-of-pocket cost, preventing misalignment with the refund guarantee.

Coverage should always reflect the customer’s out-of-pocket cost.

• Single-cart quote: Include taxes and fees in the total.
• Itemized quotes: Allocate taxes and fees proportionally across each item.

Partners should ensure only eligible items are included in quotes.

• Single-cart quote: Be mindful of items that shouldn’t be covered, as all-in-one totals may include ineligible products. Examples are donations, un-dated virtual products, and merchandise delivered to the customer – anything they can get value from immediately.
• Itemized quotes: Our quoting engine automatically excludes quotes for ineligible items, assuming the required data is provided for our system to recognize them.

When a customer adds items after the initial purchase:

• Single-cart quote: Requote the existing enrollment using the original enrollmentId to update coverage for the full cart.
• Itemized quote: Request a new quote for the added item(s) and accept it; use the same cartId to tie it to the original transaction.

These scenarios occur when the purchased product changes after the original enrollment.

• Upgrades: Capture the incremental premium, and requote the enrollment with the updated product details (new price, product name, etc).
• Downgrades: Submit the updated product information through a requote, but do not refund any previously captured premium.

These scenarios occur when the start or end dates of a purchased product change after enrollment.

• Requote the enrollment with the new dates to ensure cancellation windows and coverage periods are accurate.
• If the date change affects the cost, handle it as an upgrade or downgrade, following the incremental premium rules listed under the "Product Upgrades & Downgrades" scenario.

These scenarios occur when a customer moves their purchased product (e.g., ticket, registration) to a different event.

• Provide the new event details so we can update coverage.
• All standard rules apply: If the new event costs more, capture incremental premium; if it costs less, do not refund original premium.
• Request a requote to calculate coverage and pricing based on the new event.

These scenarios occur when a customer transfers the purchased product (e.g., ticket, pass) to someone else.

• Coverage does not follow the product to the new person.
• The original policy should be resolved via our API.
• Any new participant must request a fresh quote for coverage.

These scenarios occur when the customer cancels or refunds their purchase through the partner or event operator instead of using Spot coverage.

• The original policy should be resolved via our API.
• Resolving the policy ensures that the customer can't "double up" on their refunds, by getting one from both us and your operator.
• Ensure the enrollment status reflects the cancellation to keep records accurate.

These scenarios occur when an entire event is cancelled or rescheduled.

• Use our bulk API operations to update or cancel all related coverages at once.
• Pass the eventId during the initial quote or sale so downstream updates can be applied automatically.
• This ensures all affected enrollments are handled efficiently without iterating individually.