# Member balance payments

Member balance payments (aka loyalty points payments) are a loyalty-exclusive payment method that allows an
[authenticated loyalty member](/digital-platform/loyalty/member-authentication) to redeem any [balance units](/digital-platform/loyalty/member-balances#balance-units) they've earned to make full or partial payment of an order.

## Member balance payment stages

```mermaid
flowchart TB
    A(Get maximum payment amount) --> B
    B(Set member balance payment) --> C
    C(Complete order)
```

## Get maximum payment amount

Use the [GetMaximumMemberBalancePayment](/openapi/digital-platform/openapi/members/ocapiorderpayments_getmaximummemberbalancepayment/)
endpoint to get the maximum possible member balance payment for the given order. This endpoint considers:

- The total price of the order.
- The member's [available balance](/digital-platform/loyalty/member-balances#available-balance) and the [redemption rate](/digital-platform/loyalty/member-balances#redemption-rate) of the balance type.
- Any balance units that have already been redeemed in the order (i.e., rewards with a balance cost).
- Any balance type [redemption exclusions](/digital-platform/loyalty/member-balances#redemption-exclusions).


## Set member balance payment

Use the [SetMemberBalancePayment](/openapi/digital-platform/openapi/members/ocapiorderpayments_setmemberbalancepayment/) endpoint
to set the member balance payment against the order.

The optional `value` request property can be used to specific a particular payment amount. If unspecified, the maximum possible
member balance payment will be applied.

## Remove member balance payment

If required, the member balance payment can be removed at any time *before* the order has been completed, via the
[RemovePayment](/openapi/digital-platform/openapi/orders/ocapiorderpayments_removepayment/) endpoint.

## Complete order

If the applied member balance payment covers the total price of the order, then the final step is to complete the order via the [CreateOrderCompletion](/openapi/digital-platform/openapi/completion/ocapiordercompletion_createordercompletion/) endpoint.

If the applied member balance payment does not cover the total price of the order, additional payment(s) will need to be made before the order can be completed. For additional information, refer to the [payments](/digital-platform/payments) page.

The member balance payment will be processed during order completion, and the [balance units](/digital-platform/loyalty/member-balances#balance-units) will be deducted from the member's balance.