A system called credit online has recently been impletented. This system includes a systematic authorization request sent to the buyer’s bank for each refund request.

This lets you know whether the refund is accepted, and if not, the reason why it is blocked.

In case of refusal at the time of the authorization request, the buyer’s bank returns a reason to us, and we present it to you.

For the CB network, we indicate the code and the refusal reason sent by the buyer's bank. If the refund request is made from the Merchant Back Office, a warning message is also displayed to inform that the buyer’s financial institution is the cause of this refusal for its own reason.

For example, if the refund request is made on a blocked card, the code and refusal reason will be “59: suspected fraud” for some acquirers. See: List of specific return codes for the CB network for more details.

You must then refund your buyer by another payment method (cheque, wire transfer, etc.).