Available Batch File Templates

An authorization confirms that a payment card account holds sufficient funds to pay for a purchase. A successful authorization places a hold on the funds in the account, reducing the cardholder's available limits by the authorized amount. The name of the template file for authorizations is

authorizations-TEMPLATE.csv

.

A sale bundles an authorization and capture into a single transaction request. Upon a successful transaction, funds are immediately transferred from the cardholder account to the merchant account. The authorization and capture amounts must be the same. The

sales-TEMPLATE.csv

template supports these types of transactions:

Sales
Sales with Level III data

A capture, also known as

settlement

, transfers funds from the cardholder’s account to your bank and releases the hold that the authorization placed on the cardholder’s credit card funds. Include in the capture request message the request ID returned from the previous authorization. The

captures-TEMPLATE.csv

template supports these types of transactions:

Captures
Captures with Level III data

A

refund

(also known as a

follow-on credit

) is a payment refund from your bank to the cardholder for a payment that has already been captured. In the request, include the request ID that was returned in the response to the capture request. Unless otherwise specified, you must request a refund within 180 days of a settlement. The

credits-TEMPLATE.csv

template supports these types of transactions:

Credits
Original credit transactions (OCTs)

These templates are available for ACH service transactions:

The
echeck-debits-TEMPLATE.csv
template supports ACH service debits.
The
echeck-credits-TEMPLATE.csv
template supports ACH service credits.