Online refunds are available for the United Kingdom (UK), Republic of Ireland (ROI), Europe and the rest of the world.
Visa and Mastercard now require online authorisations for all refunds (credit vouchers/purchase returns). The date of this demand varies depending on where your sales outlets are based. See the table below for the deadlines.
|Card Scheme||Region||Waiver Date (Merchant Readiness)|
APAC (including Japan)
|16th October 2020|
|Visa||Europe,UK & ROI||22nd April 2022|
|Discover||US||17th April 2022|
|Diners||UK||17th April 2020|
|Mastercard||All (except Europe, UK & ROI)||16th October 2020|
|Mastercard||Europe, UK & ROI||22nd April 2022|
Integrated POS supports all the acquirers depending on their system readiness to support online refunds. The process is as follows:
IPC determines if a refund is sent online. To make this decision, IPC checks both:
Once the refund request arrives at the Worldpay Integrated Payments service, there is a check to see if online refunds are allowed for the merchant. If the merchant flag is set, IPC sends the refund to the acquirer.
By default, online refunds are enabled for all merchants, except those in Europe, the UK and the ROI
Worldpay will contact merchants in Europe, the UK and the ROI during 2021. We will advise these merchants on plans to enable online refunds
Online Refunds are also disabled for merchants that are excluded from the mandate, for example, airlines
For merchants with online refunds disabled, the Integrated Payments Service host sends an acceptance response to IPC
Refunds do not need Card Verification Methods (CVM, CVV)
The acquirer may not return an authorization code for online refunds
If the IPC POS host receives a referral response from the acquirer for a refund, IPC accepts the refund as an offline acceptance. IPC will not prompt for a referral for refunds
If there are connectivity issues, refunds are processed offline. IPC provides the appropriate information in the transaction response. Integrators or merchants can use this information to determine if the refund was accepted online or offline by the issuer/acquirer
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