Return - dbreturn

This section describes the message parameters for Debit Card Refund transaction processing, which you can submit using the XML API integration method. Refer to the Integration Methods section for more information.

The dbreturn transaction refunds the transaction amount to the debit cardholder’s checking or savings account and reflects immediately the balance in the account.


The merchant must contact Elavon to make sure that Debit refunds are enabled for the terminal.

In this section:

For the entire list of API endpoints, refer to API Endpoints.


Field nameDescriptionRequiredLengthData type
ssl_merchant_idMerchant ID
Elavon-assigned Converge Account ID (AID).
Required6 or 7numeric
ssl_user_idConverge User ID
The user ID with Hosted Payment API User status that can send transaction requests through the terminal.
ssl_pinTerminal 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.
ssl_transaction_typeTransaction Type
Valid value:  dbreturn
ssl_amountTransaction Amount
The base amount that does not include the Cashback or Tip amount.
The system computes for the total amount to send for authorization.
Format: Number with 2 decimals places
ssl_original_dateOriginal Transaction Date
The date of the original Debit Purchase (dbpurchase) transaction.
Format: MMDDYY
ssl_original_timeOriginal Transaction Time
The time of the original Debit Purchase (dbpurchase) transaction.
Format: HHMMSS
ssl_reference_numberTransaction Reference Number
Unique transaction reference number returned in the authorization response message of the original Debit Purchase (dbpurchase) transaction.
[Card Data]
ssl_track_dataRaw Track I and/or II Data
Track data captured from the card’s magnetic stripe. The data includes beginning and ending sentinels, card’s expiry date, cardholder’s first and last name.
ssl_account_typeBank Deposit Account Type
Valid values:
  • 0 - Checking
  • 1 - Savings
[PIN Pad]Values returned by the PIN Pad device.
Value used to encrypt the PIN of the cardholder.
ssl_key_pointerTriple-DES DUKPT Pointer
Indicates the encryption key used on US debit transactions.
Valid value:  T - Triple-DES DUKPT
ssl_pin_blockEncrypted PIN Block
The encrypted personal identification number entered by the debit cardholder to authenticate ownership of the card.


Field nameDescription
ssl_resultTransaction Outcome
An ssl_result = 0 indicates an approved transaction.
An ssl_result not equal to 0 indicates a declined and unauthorized transaction.
ssl_result_messageTransaction Result Message
Refer to the Debit Card Response Codes section for an extensive list of possible returned messages.
ssl_txn_idTransaction ID
Unique identifier of the transaction.
ssl_txn_timeProcessing Date and Time
Indicates when Converge processed the transaction.
Format: MM/DD/YYYY hh:mm:ss AM/PM
Example: 03/18/2022 10:34:10 AM
ssl_approval_codeTransaction Approval Code
Unique code returned by the credit card processor that indicates the approval status of the transaction.
ssl_reference_numberTransaction Reference Number
ssl_card_numberMasked Card Number
Converge only returns the first 2 or last 4 digits of the regular PAN.
ssl_exp_dateCard’s Expiry Date
Returned based on merchant setup.
ssl_amountTransaction Amount
The refund amount returned to the cardholder’s account.
ssl_emailEmail Address
The cardholder’s or customer’s email address. Returned based on merchant setup.
[Error]Returned only if an error occurs. Refer to the Error Codes section for more information.
errorCodeError 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.
errorMessageError Message
Detailed explanation of the error. This field may be changed based on merchant configuration in the user interface.
errorNameError Name
Error name or reason for the error.



  • In all of these examples, you will have to change the data values, such as my_merchant_id, my_user_id, my_pin, and transaction data to match your Converge account and meet the needs of your website.
  • Code samples provided are for demonstration only and should not be used for live transactions. All sensitive merchant data, including transaction amounts and your Converge credentials, should be placed in server side code.




   <ssl_txn_time>08/31/2022 06:17:19 PM</ssl_txn_time>
   <ssl_result_message>EXCEEDS AMT LMT</ssl_result_message>