Purchase Return Authorization to Be Enabled on Omnipay

Products Included:

Purchase Return Authorization

Region/Country:

European Union

Expected Release Date:

August 2025

Internal Feature Number:

13549

Traditionally, a refund transaction processed by a merchant, also known as an

offline credit

, could be processed without the authorization of the card issuer. This process can take anywhere from a few days to a month, leaving the customer without funds for an unknown length of time. Customers sometimes initiate chargeback requests when this happens.

Card networks now require an authorization request for every credit card credit or return transaction to provide real-time balance updates to cardholders. The credit response will include the authorization code, transaction ID, and authorization response code.

This feature will benefit merchants and customers by speeding up refund processing and reducing occurrences of chargebacks that are created in error.