In this section:

Definition

A Refund is a process that credits a Cardholder account from the Merchant account.
It is initiated in case of reimbursement of a payment transaction, totally or partially.
A Refund performed at the POI (Point-of-Interaction) does not have to be linked to a previous payment transaction.

Reference Documents

Nexo-Fast Specification Update Bulletin No. 11 Reference to the Original Transaction for Refund

Processing

The Refund service can be performed and processed in two ways:

Offline Refund

The Refund transaction is accepted or decline by the Acceptor without requesting an authorization from the Acquirer.

At the end of the transaction or later in time, the Acceptor might send a completion to notify the Acquirer of the outcome of the transaction.

Online Refund

An authorisation is sent by the Acceptor to the Acquirer to request the approval of the transaction.

An online authorisation exchange is made up an AcceptorAuthorisationRequest message used to request the authorisation of the related transaction and an AcceptorAuthorisationResponse message used to provide the outcome of the authorisation.

Refund with Reference Data

In general the Refund Service can be performed without reference to an original transaction.

However, when a Refund is initiated from a sale system or a device control (eg. MerchantApp), the payment system can optionally receive an initial transaction reference in order to fill in the corresponding data elements in the Refund message (see Nexo-Fast Specification Update Bulletin No. 11 Reference to the Original Transaction for Refund for more information).

Refund Reference Data may be identical to the Reference Data of the original Service, but this is not mandatory and not checked. Refund Reference Data is not used to retrieve the transaction data of the original Service, but it is stored in the transaction database for the Refund.

Configuration

Enable Refund Service

To enable the Refund Service:

Define the Refund Service proprieties in the Service Settings Table (E4).
1. Payment networks usually recommended to protect the Refund Service. The Refund Service can be protected by using the 'DF10' - Service Settings[1, 5] = 1b (Service protected) . If the Refund Service is protected, the POI will request the merchant code entry before allowing the transaction.
Add the Refund Service in the list of configured service in Terminal Data (E1) using:
1. 'DF13' - Configured Services[1, 7] = 1b (Refund) or
2. 'DF67' - Configured Services Extended[1, 7] = 1b (Refund) .