- Introduction to Payments
- Standard Payment Processing
- Card Present Connect | Retail Processing
- Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
- Card Present Connect | Mass Transit Processing
- American Express Delayed Online Authorization with EMV Data
- Tap-Initiated Authorization for Debt Recovery with EMV Data
- Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
- Airline Data Processing
- Japanese Payment Options Processing
- Processing Payments Using Credentials
- Customer-Initiated Transactions with Credentials on File
- Delayed Transaction
- Incremental Transaction
- Merchant-Initiated Incremental Transaction with PAN
- No-Show Transactions
- Reauthorization Transaction
- Merchant-Initiated Reauthorization Transactions with PAN
- Resubmission Transaction
- Merchant-Initiated Resubmission Transaction with PAN
- Installment Payments
- Merchant-Initiated Installment Payments with PAN
- Recurring Payments
- Merchant-Initiated Recurring Payments with PAN
- Unscheduled COF Payments
- Token Management Service Processing
On This Page
Credit Workflow
The credit workflow begins when you send a request for a credit.
A credit does not happen in real time. All of the credit requests for a day are typically
placed in a file and sent to the processor as a single
batch
transaction. In most
cases, the batch transaction is settled overnight.- The merchant sends a request for a credit toCybersource.
- For online credits,Cybersourcevalidates the order information then sends an online credit to the payment processor.For offline credits,Cybersourcestores the credit request in a batch file and sends the batch file to the payment processor after midnight.
- The processor validates the request and forwards it to the acquiring bank.
- The acquiring bank transfers funds to the issuing bank.