Credit Transactions

The Credit transaction enables you to refund money to a customer, even if the original transaction occurred outside of our system. You can submit refunds against any of the following payment transactions:

To perform a credit on a Closed-loop Gift Card, submit a Gift Card Credit transaction, not a Credit transaction. See Gift Card Credit Transactions for additional information.

• Capture Transactions

• Capture Given Auth Transactions

• Force Capture Transactions

• Sale Transactions

• External Sale or Capture Transactions

If enabled for Auth for Refund, we automatically generate an Authorization before processing the Credit. If the Issuing Bank declines the Authorization, you receive the decline response code for the Authorization in the response message. If the Authorization passes, you receive an Approved response code in the response message, but still must check the Declined Transaction report to verify the Issuing Bank did not decline the Credit transaction.

Although there are two different scenarios for Credit requests, there is only one scenario for the Credit response.