Sale Transaction Life Cycle

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1. A transaction is initiated with a credit card sale and is automatically added to the current daily batch. The total will display the amount that was initially requested.

   1. During this step, the Sale transaction goes into an Approved status where it can either be reversed or cancelled.

2. The approved amount is posted to the batch - it does not always match the total transaction amount, like in instances of partial approval.

3. If the transaction is reversed, the approved amount will decrease by the amount of the reversal. In the event of a full reversal, the transaction will not be captured.

4. Once the daily batch has closed, the sale transaction status will change from Approved to Captured. After a sale transaction is Captured or Settled, it can only be Refunded.

Auth Transaction Life Cycle

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1. An auth transaction will hold funds on the customer’s card until a separate capture transaction is submitted. The approved amount will be the amount processed, meaning the amount held on the customer’s account.
   During this step, the auth transaction moves into an Approved status.

2. If the auth is reversed, the original auth amount approved will decrease. If you want to capture the remaining amount, the original capture (if submitted) would need to be cancelled, and a new capture for the correct amount submitted.

Note: Auth transactions only hold funds in the cardholder’s account. The transaction will post to the batch after a capture transaction is submitted. The auth amount is what is held until the subsequent transaction (capture) is submitted.

Capture Transaction

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1. A capture transaction is tied to an auth transaction and will have it’s own lifecycle (similar to a sale). Once an auth has had a capture transaction submitted, it is moved to the batch that day.

2. After a capture transaction is submitted, the total amount represents what was requested for the transaction. This can be higher or lower than the original auth amount.
   During this step, the transaction status changes to Pending

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1. Once a transaction is in Captured or Settled status, a refund transaction can be submitted.

Warning: A capture transaction that is greater than the original Auth approved may be flagged by Risk to investigate the discrepancy.

Reverse Transaction

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1. A reverse transaction can only be applied to an auth or a sale transaction in the Approved status.

2. When batch is a closed Sale and eCheck Sale, it will move to Captured status and a reverse transaction can no longer be issued. For Auth, when the associated transaction is Captured it cannot be reversed. At this point, a refund transaction must be submitted to credit the cardholder.

Note: The term reverse is used interchangeably with “Void”, where “Void” is simply a full reversal of the entire transaction amount.

Refund Transaction

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A refund can apply to both a sale or capture with a Captured or Settled status, which occurs after the daily batch closes.

1. When a Refund is submitted it will appear as Pending. At this time a pending entry is created and this amount is removed from the client Available Balance.

2. After the daily batch closes, the Refund transaction status will change from Pending to Settled.

eCheck Sale Transaction Life Cycle

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1. An eCheck

1. sale transaction is automatically added to the current daily batch. The total amount will always be the approved amount. If the amount needs to be changed then the entire eCheck sale transaction will need to be cancelled and resubmitted.
   During this step, the status changes to Approved.

2. After the daily batch closes, the eCheck sale transaction status will change from Approved to Captured. Once Captured or Settled, the eCheck sale transaction can only be Refunded.

eCheck Refund Transaction

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An eCheck Refund transaction can be applied to an eCheck Sale transaction with a Captured or Settled status following the daily batch close.

Warning: A Refunded Sale, Capture or eCheck Sale transaction doesn’t change the status - it will populate the refunded amount field with the amount that has been successfully refunded.