Charges and Refunds
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- Card authentication and 3D Secure
- 3DS is added security that allows a card issuing bank to request their customer enter a code to authorise a payment.
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- How can I just authorise a card?
- Authorising an amount on a customer’s card holds the funds for you, available to be captured at a later date.
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- Card verification checks (CVC)
- The CVC (also known as the CVV) is a three or four digit number printed on a debit or credit card to provide additional protection for the cardholder...
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- Is there a limit to the amount I can charge?
- A new account has a limit of $25,000 per charge, or $1000 if you’re using the Point-of-Sale interface.
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- Why did a charge fail?
- There are a number of reasons why a charge might not be successful...
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- What exchange rate is used to convert foreign currency charges?
- When charging in a foreign currency, the funds will be captured from your customer’s card in the currency specified...
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- How do foreign currency charges work?
- When charging in a foreign currency, the funds will be captured from your customer’s card in the currency specified...
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- Goods and services tax
- Goods and services Tax (GST) is included on transaction fees at the current rate of 10%.
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- What options are available to process a charge?
- There are a number of ways to charge a customer’s card once your Pin Payments account has been activated, from Payment Page for hosted secure payments, to Point of Sale for in person payments with your smartphone, and more...
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- Why are international transaction fees more expensive?
- Where a transaction is categorised as an international, or cross-border transaction the amount of fees it attracts to process are higher compared to a domestic transaction.
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- Can I pass processing fees onto my customer?
- Some businesses might want to ask their customers to pay the card processing fee if they choose card as their payment method. Pin Payments includes a number of ways to do this...
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- Managing your PCI compliance
- Using a particular payment provider, or a feature offered by a payment provider doesn’t automatically qualify you as being PCI-DSS compliant.
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- How are transaction fees calculated?
- The cost to process a transaction depends on the currency you charge in and the country the cardholder's card has been issued from.
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- What are my options to customise receipts?
- You’re able to apply your logo and add your own message, or disable the receipts we send.
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- Does it cost me to refund?
- No additional fees are incurred when you refund a customer.
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- How do I refund a customer?
- You can refund any successful charge from your Pin Payments Charges dashboard. Just click on the individual charge you want to refund.
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- What’s the difference between a refund and a dispute?
- A dispute is an action by a cardholder to challenge a transaction, whereas a refund is the result of a dispute.
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- How do I process a refund without funds in my Pin Payments balance?
- You can use the Deposits feature to transfer funds into your Pin Payments account and proceed to process a refund.
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- Refunding foreign currency charges
- When you refund a foreign currency charge, we convert the amount being refunded to your settlement and include a 10% buffer. This is withheld until the refund is processed, and we credit the difference back to you.
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- Can I resend receipts?
- Yes, you can resend receipts at any time. Find the charge in your dashboard, and scroll to the ‘Email receipt’ section. Confirm the email address is correct, and click ‘Send Receipt’.
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- Which payments cards are supported?
- Any card bearing a Mastercard, Visa, American Express, JCB, Discover, or Diners Club logo can be used.
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- Can I send tax receipts?
- You will need to issue tax receipts this separately as these details are not included on the receipt.
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- How can my customer track a refund?
- We can provide the ARN for your customer to track a refund that was not received.
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- Verify customers using Easy Card Authentication
- Our easy card authentication (ECA) has been built for merchants selling physical goods, to verify your customer is genuine.
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- Why isn’t splitting a transaction permitted?
- The card schemes don’t permit a sale to be split amongst multiple transactions and/or cards...
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- Xero invoices have stopped being marked as paid
- After a customer completes payment the invoice in Xero isn't marked as paid.
