Debt Recovery
This type of transaction retrieves outstanding debt in the event of a decline of the
aggregated, end-of-day transaction. A debt recovery transaction is also required in
order to remove a card from a deny list. Card schemes require you to process
merchant-initiated debt recovery. You can also offer tap-initiated debt recovery at
the transit entry point or cardholder-initiated debt recovery online.
Figure:
Merchant-Initiated Debt Recovery Flow