Credit Workflow

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
transaction. In most cases, the batch transaction is settled overnight.
This image and description provide information about the credit workflow:
  1. The merchant requests a credit.
  2. The order information is validated.
  3. The credit request is sent to the acquirer.
  4. The acquirer transfers the requested funds to the issuer.
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