Best Practices
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TabaPay recommends the following best practices that our TabaPay Clients must follow to ensure we follow network requirements for authorizations and captures.
Authorization & Capture
Reversals
| Best Practices |
|---|
| A reversal message sent for the full Transaction amount cancels the original authorization request. |
| A reversal message must correspond to the original authorization message and must be requested within 24 hours of the original transaction |
| A reversal can be for a full amount (void) or a partial amount (partial reversal) |
| Reversal for Conversion of Approval to Decline: TabaPay Clients can reverse an approved authorization for fraudulent reasons (1) TabaPay client must determine whether to proceed with a Transaction believed, in good faith, to be fraudulent within 72 hours of sending the original authorization request message. (2) Upon deciding not to proceed with the Transaction and still within 72 hours of the original authorization request, the TabaPay Client must: Generate a reversal message for the full transaction amount that includes a reason code indicating that the Transaction was declined due to perceived fraud, Disclose to the Cardholder that the transaction cannot be completed at that time, and provide the Cardholder with valid customer service contact information (phone number or email address) to respond to Cardholder calls or email messages related to the cancelled order. The contact information should be that of the TabaPay Client that made the decision not to proceed with the Transaction. Sharing the specific reasons for the decline is not recommended or required. The likelihood that a Transaction is fraudulent typically is determined through fraud screening and fraud scoring services that involve the storage, transmission or processing of Card or Transaction data in compliance with the Payment Card Industry Data Security Standard (PCI DSS). |
Refunds
| Best Practices |
|---|
| A refund Transaction is a payment processed by a TabaPay Client to a Cardholder’s Account upon the return of goods or cancellation of services previously purchased by the Cardholder. |
| A refund Transaction must only be reversed for the purchase Transaction amount or adjusted for an amount less than the purchase Transaction amount to correct a clerical error. |
| The reversal or adjustment must occur within one calendar day of the refund Transaction. The Settlement Date of the original authorization transaction of the refund Transaction is counted as day zero. Reversible clerical errors include, by way of example and not limitation, the erroneous capture of Transaction data, a duplicate Transaction, or an error caused by the transposition of data. |
Updated 2 months ago