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#Transaction express support phone number upgrade#

When the merchant processes the return the POS will dial out and the merchant will receive a response on their POS similar to how purchase transactions work today.

Cardholder returns product for credit.

The cardholder is unable to view the return transaction information until after a merchant settlement is processed, and posted by the card issuing bank. When the merchant processes the return the POS would not dial out and just store the transaction in the system. Incoming cardholder inquiries to understand the status of a transaction isĮxpected which in turn increases transaction processing satisfaction. Will be able to view returns in real time.

#Transaction express support phone number upgrade#

Merchants on unsupported or third party products need to contact their POS support team to determine what action is necessary to upgrade their system.Ĭhange should reduce the number of cardholder inquiries/claims of credits not.Additional information will be communicated as details and delivery dates become available.

Supported applications are in the process of being updated.

POS systems may not currently support obtaining an authorization for a return.

Employee training may be necessary (See FAQ guide for assistance).

Evaluate correct handling of a return transaction response.

Evaluate your internal/external processes to understand the impacts of the update.

In mind, below are key items to consider regarding system, device and

Transaction was stored in the system until submitted for settlement. Point of Sale (POS) systems were not previously designed to obtain anĪuthorization to return money to the cardholder. The return authorization message is intended to improve the return process, minimize return inquiries and improve the customer experience for cardholders by enabling them to view a credit/return on their online banking account/statement in real time and receive other services from the card issuer such as text alerts.

Authorizing a return enables the card issuer to validate the cardholder account, decline potentially fraudulent cards, and minimize chargebacks if the account does not exist or has been closed. Recent card brand mandates require a new authorization to occur for purchase return transactions (also known as a cardholder refund).