When the enterprise fail to deliver a product or a service paid for by bankcard to a customer, or a customer cancel the order, it is possible to cancel the authorization by bankcard later (completely or partially). Payment can be cancelled/refunded via Personal account of the enterprise in IPS Assist, or using Web service.
IPS Assist supports the following types of returns and cancellations:
Authorization return (on-line cancellation)
Procedure for the cancellation of authorization by bankcard before financial transaction is created. Usually the authorization can be cancelled within the same day when the payment is performed. The authorization can be cancelled later than within one day, if the enterprise has an agreement with IPS Assist on the postponed financial confirmation, or if the enterprise uses the double-stage operation mode and the payment financial confirmation has not been made yet. In any case, the authorization cannot be canceled later than within the time period specified by the processing center.
Partial cancellation
Partial cancellation is admissible for processings with applicable setting (in particular, UCS, Multicard), before the financial transaction is performed. If a partial cancellation is performed after the successful authorization, the financial transaction will be made for the remaining amount of the payment. Partial cancellation for enterprising operating based on the double-stage mode is possible only after financial confirmation (before the financial transaction is sent), and is similar from financial point of view to the payment confirmation.
Refund
Refund is a procedure for full or partial cash return to a customer for the payment performed in the enterprise's Internet-shop using bankcard. Refund operation can be performed after the financial transaction has been made.
Refund operation applies for any types of return on JCB and AMEX cards. Refund is applied to any returns of a partial amount.
Refund operation can also be applied to returns of a full amount, if only such type of cash return operations is admissible for the processing.
Refund operation is performed for a full amount for UCS and Raiffeisenbank processings by VISA and MasterCard cards, if the reason of cancellation is the card holder declining (parameter CancelReason=2).
Financial transaction cancellation
Financial transaction cancellation is the payment (by a bankcard) operation cancellation that was authorized and after the financial transaction had been performed. The operation of financial transaction cancellation implies a full refund, taking into account the possible performs of the currency differences on the date of payment and on date of financial transaction cancellation.
A financial transaction can be canceled only for a full amount of payment and only for UCS and Raiffeisenbank processings by VISA and MasterCard cards, if the cancellation is caused by the shop declining of the operation (parameter CancelReason=1), or if the payment operation is fraud (parameter CancelReason=3).
Some processings (UCS, in particular) establish special financial conditions for the financial transaction cancellation operation.
The financial transaction cancellation period for Raiffeisenbank processing is limited to 39 days (after 39 days a refund can be made).
The procedures for cancellation and refund in Personal account are described in Personal account operation instructions.
You can also make a cancellation or refund using Web service. For this, send HTTP POST or SOAP request (in UTF-8 coding) to IPS Assist server.
Features of e-wallet refunds
When you return the money on the e-wallet, the refund amount shouldn't exceed the current day balance of the merchant on the corresponding e-wallet (the total amount of successful payments minus the commission of the bank, minus the total amount of successful returns). Partial cancellations on e-wallets are prohibited during the calendar day (according to the time zone of Moscow).
Performing WebMoney payment cancellations via web-service have additional feature: system replay contain the operation status «In Process» (responsecode=AS300). It is related to the delay of the status return from the WebMoney payment system. To receive the real status you should perform an additional request for the order operations statuses in a few minutes later the cancel request.
When several cancels are performed on the order then several cancel operations (type 300: cancel) will be returned with the request result. They will have different parameter billnumber (in extended format: 5700027202722028.3 – for example).
All cancellations (partial and full) on QIWI are prohibited during the calendar day (according to the time zone of Moscow).
Performing cancellations on QIWI payment via web-service have additional feature: system usually replay with successful operation status but (in some cases) it can replay with status «In Process» (responsecode=AS300). It is related to the delay of the status return from the QIWI payment system. To receive the real status you should perform an additional request for the order operations statuses in a few minutes later the cancel request. When several cancels are performed on the order then several cancel operations (type 300: cancel) will be returned with the request result. They will have different parameter billnumber (in extended format: 5700027202722028.3 – for example).
Web Service Detailed Description