On This Page
Stand-Alone Credit
A
stand-alone credit
is a credit that is not linked to a capture. There is no time
limit for requesting a stand-alone credit. When you process a stand-alone credit, there
is no set limit on the amount because there is no reference to the original transaction
amount.When a stand-alone credit request is successful, the issuing bank for the payment card
takes money out of your merchant bank account and returns it to the customer. It usually
takes two to four days for your acquiring bank to transfer funds from your merchant bank
account.
IMPORTANT
Restrict access to the stand-alone credit service and do not make it
available directly on your customer-facing interface. Instead, include the feature in
your internal customer service process to make sure all requests are checked and to
prevent misuse.