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Credit Workflow {#payments-intro-processing-credit-workflow}
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This workflow applies to follow-on credits, also known as refunds, and stand-alone credits. It begins when you send a request for a credit.  
Credits do not happen in real time. All of the credit requests for a day are typically placed in a file and sent to the processor as a single *batch* transaction. In most cases, the batch transaction is settled overnight.  
![](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/payments/images/payments-credit-660x225.svg/jcr:content/renditions/original)

1. The merchant sends the credit request to `Cybersource`.
2. For online credits, `Cybersource` validates the order information then sends the request to the payment processor. For offline credits, `Cybersource` stores the request in a batch file and sends the batch file to the payment processor after midnight.
3. The processor validates the request and forwards it to the acquiring bank.
4. The acquiring bank transfers funds to the issuing bank.

IMPORTANT Not all processors support stand-alone credits.  
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