• payment A financial transaction that debits the funds from the card.
  • refund A financial transaction that credits the funds to the card. This applied only to "matched" refunds where the funds are returned to the card used in the original payment transaction.
  • unmatched_refund A financial transaction that credits the funds to the nominated card. This refund is not "matched" to the card used in the original payment transaction.

    Unmatched refunds are not available as a standard service. Please contact your bank representative if you require this service.

  • preauth An authorisation transaction that reserves the funds against the card but does not debit the card. The cardholder's available balance will decrease by the preauth amount if the preauth is approved.

    A preauth typically remains against the card for 4-7 days depending on the Issuer. Expiry of the preauth expires the funds reservation.

  • capture A financial transaction that is linked to a preauth. This debits the card immediately.
  • reversal Reverses the original transaction so that both the original transaction and the reversal will not appear on the card statement.

    Note: A reversal can only be processed before the end of day cut-off on the same banking day as the original transaction.

  • verify_only

    A non-financial transaction to verify the card details with the Card Issuing Bank. Funds are not deducted or reserved against the card and the cardholder's available balance will not decrease.

    verify_only is only supported on MasterCard and Visa.