Credit Card Credit - cccredit

important

Elavon advises against using Credit Card Credit to issue refunds.

Refunds issued with cccredit can exceed the amount of the original transaction and bears an increased risk for fraud and chargebacks.

If possible, we recommend using Credit Card Return to handle your refunds. ccreturn caps the total possible refunds on each transaction at the original amount and prevents even refunds from exceeding that amount.

The cccredit transaction is used to issue a return (refund) to a cardholder’s credit card using full card number.

In this section:

Request

Field name	Description	Required	Length	Data type
`ssl_transaction_type`	Transaction Type Valid value:`cccredit`	Required	20	alphanumeric
`ssl_merchant_id`	Merchant ID Elavon-assigned Converge account ID.	Required	15	numeric
`ssl_user_id`	Converge user ID The user ID with Hosted Payment API user status that can send transaction requests through the terminal.	Required	15	alphanumeric
`ssl_pin`	Terminal ID Unique identifier of the terminal that will process the transaction request and submit to the Converge gateway. The `ssl_user_id` sending the transaction request must be associated with the terminal that will process the request.	Required	64	alphanumeric
`ssl_encrypted_track1_data`	Encrypted Raw Track I Data Encrypted Track I data captured from the card’s magnetic stripe when using a MagTek encrypting device. The data includes beginning and ending sentinels, card’s expiry date, cardholder’s first name and last name. Required for swiped and contactless transactions.	Conditional	160	alphanumeric
`ssl_encrypted_track2_data`	Encrypted Raw Track II Data Encrypted Track II data captured from the card’s magnetic stripe when using a MagTek encrypting device.	Conditional	160	alphanumeric
`ssl_enc_track_data`	Encrypted Raw Track I and/or II Data Encrypted Track I and/or II data captured from the card’s magnetic stripe or an Ingenico encrypting device. The data includes beginning and ending sentinels, card’s expiry date, cardholder’s first and last name.	Conditional	160	alphanumeric
`ssl_ksn`	Key Serial Number Unique identifier generated from the swiped payment card and returned by the encrypting device. The KSN encrypts the PAN data through the DUKPT method. Required if submitting `ssl_enc_track_data`, `ssl_enc_track1_data` or `ssl_enc_track2_data` in the transaction request.	Conditional	20	alphanumeric
`ssl_card_number`	Card Number Unique card identification number. Card length: - `18` - Gift Card - `19` - Credit Card	Conditional	18 or 19	numeric
`ssl_exp_date`	Card’s Expiry Date Date when the card becomes invalid. Format: MMYY Required if `ssl_card_number` is not null.	Conditional	4	numeric
`ssl_card_present`	Card Present Indicator Indicates whether the card is physically present during the transaction. Valid values: - `Y` - Card present - `N` - Card not present Recommended for hand-keyed transactions.	Optional	1	alphanumeric
`ssl_amount`	Transaction Amount to be refunded. For those terminals processing Multi-Currency, be sure to submit the correct number of decimal places for the transaction as some currencies have no exponents and some can have three. Format: Number with 2 decimal places	Required	11	numeric
`ssl_departure_Date`	Travel Departure Date Date sent to the Merchant Airline Risk Monitoring System (MARMS) to monitor risks associated with advanced booking. Format: MM/DD/YYYY Only applicable to terminals that are set up with the Travel Data credit payment option.	Optional	10	alphanumeric
`ssl_completion_Date`	Travel Completion Date Date sent to the Merchant Airline Risk Monitoring System (MARMS) to monitor risks associated with advanced booking. Format: MM/DD/YYYY Only applicable to terminals that are set up with the Travel Data credit payment option.	Optional	10	alphanumeric
`ssl_transaction_currency`	Transaction Currency The currency ISO code that the merchant applies to their goods or services. Default: USD or CAD Important: Only applicable to terminals that are set up with the Multi Currency credit payment option.	Optional	3	alphanumeric
`ssl_get_token`	Generate Token Indicator Indicates whether to generate a token when submitting the card data. Valid values: - `Y` - Generate token - `N` - Do not generate token (Default) Only applicable to terminals that are set up with the Tokenization terminal option.	Optional	1	alphanumeric
`ssl_add_token`	Add to Card Manager Indicator Indicates whether to generate and store the token in Card Manager. Valid values: - `Y` - Generate and store token - `N` - Do not store token (Default) Only applicable to terminals that are set up with the Tokenization terminal option.	Optional	1	alphanumeric
[Dynamic DBA]
`ssl_dynamic_dba`	Dynamic DBA The dynamic doing business as name for this transaction. Allows a merchant specify, on a per-transaction basis, wording that may be more recognizable or more service-specific to the customer than their usual business name. This can prevent chargebacks by preventing users from seeing transactions attached to unrelated names on their payment card statements.	Optional	21	alphanumeric
`ssl_dynamic_dba_address`	Dynamic DBA Address The dynamic doing business as street address for this transaction. This value allows a merchant use an alternate address for this transaction.		30	alphanumeric
`ssl_dynamic_dba_auth_type`	Merchant ID The dynamic doing business as authorization type. Valid values: - `F` - Final - `P` - Pre-authorize		1	alphanumeric
`ssl_dynamic_dba_city`	Dynamic City Name This value allows a merchant use an alternate city as part of the address for this transaction		13	alphanumeric
`ssl_dynamic_dba_country`	Dynamic Country ISO Code This value allows a merchant specify an alternate country as part of the address for this transaction.		3	alphanumeric
`ssl_dynamic_dba_email`	Dynamic Email Address This value allows a merchant specify an alternate email address for this transaction.		70	alphanumeric
`ssl_dynamic_dba_mcc`	Dynamic Merchant Category Code This value allows a merchant specify an alternate merchant category for this transaction.		22	numeric
`ssl_dynamic_dba_phone`	Dynamic Phone Number This value allows a merchant specify an alternate phone number for this transaction.		20	alphanumeric
`ssl_dynamic_dba_postal`	Dynamic Postal or ZIP Code This value allows a merchant set an alternate postal code for a transaction.		9	alphanumeric
`ssl_dynamic_dba_state`	Dynamic State Code This value allows a merchant set an alternate state code for a transaction.		2	alphanumeric
`ssl_dynamic_dba_submid`	Dynamic Sub-merchant ID This value allows a merchant set an alternate sub-merchant ID for a transaction.		22	numeric
`ssl_dynamic_dba_taxid`	Dynamic Merchant Tax ID This value allows a merchant set an alternate Tax ID for this transaction.		14	alphanumeric

Response

Field name	Description
`ssl_result`	Transaction Outcome An `ssl_result` = 0 indicates an approved transaction. An `ssl_result` not equal to 0 indicates a declined and unauthorized transaction.
`ssl_result_message`	Transaction Result Message Refer to the Payment Card Response Codes section for an extensive list of possible returned messages.
`ssl_txn_id`	Transaction ID Unique identifier of the transaction.
`ssl_txn_time`	Processing Date and Time Indicates when Converge processed the transaction. Format: MM/DD/YYYY hh:mm:ss AM/PM Example: 03/18/2010 10:34:10 AM
`ssl_approval_code`	Transaction Approval Code Unique code returned by the credit card processor that indicates the approval status of the transaction.
`ssl_amount`	Total Authorized/Approved Transaction Amount Returned based on merchant setup.
`ssl_card_number`	Masked Card Number Converge only returns the first 2 or last 4 digits of the regular PAN, or the last 4 digits of the actual card number if it is an association token (example, ApplePay).
`ssl_email`	Email Address The cardholder’s or customer’s email address. Returned based on merchant setup.
[Address Verification Service]	Returned only if AVS parameters are sent in the request.
`ssl_avs_response`	Address Verification Response Code Refer to the AVS Response Codes section for a complete list of AVS response codes.
[Card Verification]	Returned only if CVV / CVC / CID parameters are sent in the request.
`ssl_cvv2_response`	Card Verification Response Code Refer to the CVV2/CVC2 Response Codes section for a complete list of CVV/CVC2 response codes.
[Invoice Number]	Returned only if Invoice Number parameters are sent in the request.
`ssl_invoice_number`	Invoice Number The invoice number or ticket number sent in the original request.
[Dynamic Currency Conversion]	Returned only if the terminal is set up with the Dynamic Currency credit card payment option. Refer to the Dynamic Currency Conversion (DCC) section for more information on retrieving the following DCC transaction parameters.
`ssl_conversion_rate`	Conversion Rate Exchange rate applied to the conversion of `ssl_amount`.
`ssl_cardholder_amount`	Cardholder Amount Total amount in the cardholder’s billing currency.
[Error]	Returned only if an error occurs. Refer to the Error Codes section for more information.
`errorCode`	Error Code Typically, when the transaction failed validation or the request is incorrect. This will prevent the transaction from going to authorization. This is a numeric field.
`errorMessage`	Error Message Detailed explanation of the error. This field may be changed based on merchant configuration in the user interface.
`errorName`	Error Name Error name or reason for the error.

Example: XML API Request/Response

The following example demonstrates the xml code for a credit card return transaction for $10.00 where the merchant collects all the data from the consumer:

<txn>
    <ssl_merchant_ID>my_vid_id</ssl_merchant_ID>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>cccredit</ssl_transaction_type>
    <ssl_card_number>0000000000000000</ssl_card_number>
    <ssl_exp_date>1220</ssl_exp_date>
    <ssl_amount>10.00</ssl_amount>
    <ssl_first_name>John</ssl_first_name>
    <ssl_last_name>Doe</ssl_last_name>
    <ssl_avs_address>123 Main</ssl_avs_address>
    <ssl_city>Atlanta</ssl_city>
    <ssl_state>GA</ssl_state>
    <ssl_avs_zip>99999</ssl_avs_zip>
    <ssl_country>USA</ssl_country>
</txn>

This is the response for a credit card return approved transaction for $10.00:

<txn>
    <ssl_card_short_description>mc</ssl_card_short_description>
    <ssl_first_name>John</ssl_first_name>
    <ssl_last_name>Doe</ssl_last_name>
    <ssl_account_balance>0.00</ssl_account_balance>
    <ssl_txn_id>111016A15-F5043074-6620-4A4C-B4FA-E12FD6EC64A0</ssl_txn_id>
    <ssl_result_message>APPROVAL</ssl_result_message>
    <ssl_result>0</ssl_result>
    <ssl_approval_code></ssl_approval_code>
    <ssl_card_type>creditcard</ssl_card_type>
    <ssl_card_number>0000000000000000</ssl_card_number>
    <ssl_exp_date>1220</ssl_exp_date>
    <ssl_amount>10.00</ssl_amount>
    <ssl_avs_address>123 Main</ssl_avs_address>
    <ssl_city>Atlanta</ssl_city>
    <ssl_state>GA</ssl_state>
    <ssl_avs_zip>99999</ssl_avs_zip>
    <ssl_country>USA</ssl_country>
    <ssl_txn_time>10/11/2016 04:46:33 PM</ssl_txn_time>
</txn>