Interac Refunds

In this section:

Interac Purchase Return (no mac data)

PURCHASE (Canada)
– processingCode 002000 = Debit Purchase from Checking
– 9.00 checking

xmldata=
<txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipsale</ssl_transaction_type>
    <ssl_tlv_enc>
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A020124370300200038030113515
    F2D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c51303030303130C00AFFFF0
    C0DE00000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F340101950580400080009F1B04000000005F200C54455354204
    34152442030379F1A0201249F02060000000009009F3901059F3602060A9F3704514B715A9F0607A00000027710109F3501229F34030100029F3303E0B8C89F030
    60000000000009F090200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F530152D028144AAC6050790CDF1D266E3A405A3D86F04BA2
    C6E16D5FFA6F960EE4A5A5F2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
</txn>

– SETTLE above transaction. you cannot return an unsettled transaction

xmldata=
<txn> 
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>SETTLE</ssl_transaction_type>
    <ssl_txn_id>xx</ssl_txn_id>
</txn>

There are two types of emvchipdebitRETURN transactions: standalone and linked.

standalone

no ssl_txn_id is provided

These will be processed without linking to an authorization - no way of limiting return amount to original authorization

Linked

requires ssl_txn_id of the original authorization.

Converge will maintain a running total of return transactions and not allow a return to exceed the original authorization amount.

Exceeding original amount will result in:

<errorCode>5002</errorCode>
<errorName>Amount Invalid</errorName>

You can view the current return amount through txnquery, element

ssl_return_amount

– RETURN linked emvchipsale (top transaction)
– full amount 9.00 checking
processingCode 200020 = Debit Return from Checking

xmldata=
<txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipdebitRETURN</ssl_transaction_type>
    <ssl_txn_id>x</ssl_txn_id>
    <ssl_tlv_enc>  
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A0201243703200020380
    30113515F2D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c513030303
    03130C00AFFFF0C0DE00000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F340101950580400080009F1B0400000
    0005F200C5445535420434152442030379F1A0201249F02060000000009009F3901059F3602060A9F3704514B715A9F0607A00000027710109F3501229F3403010
    0029F3303E0B8C89F03060000000000009F090200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F530152D028144AAC6050790CD
    F1D266E3A405A3D86F04BA2C6E16D5FFA6F960EE4A5A5F2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
</txn>

– RETURN linked emvchipsale (top transaction)
– partial amount 4.50 checking
processingCode 200020 = Debit Return from Checking

xmldata=
<txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipdebitRETURN</ssl_transaction_type>
    <ssl_txn_id>x</ssl_txn_id>
    <ssl_tlv_enc>
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A020124370320002038030113515
    F2D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c51303030303130C00AFFFF0C
    0DE00000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F340101950580400080009F1B04000000005F200C5445535420434
    152442030379F1A0201249F02060000000004509F3901059F3602060A9F3704514B715A9F0607A00000027710109F3501229F34030100029F3303E0B8C89F030600000000
    00009F090200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F530152D028144AAC6050790CDF1D266E3A405A3D86F04BA2C6E16D5FFA6F
    960EE4A5A5F2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
</txn>

– RETURN linked emvchipsale (top transaction)
– partial amount 4.00 checking
processingCode 200020 = Debit Return from Checking

xmldata=
    <txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipdebitRETURN</ssl_transaction_type>
    <ssl_txn_id>x</ssl_txn_id>
    <ssl_tlv_enc>  
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A020124370320002038030113515F2
    D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c51303030303130C00AFFFF0C0DE0
    0000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F340101950580400080009F1B04000000005F200C5445535420434152442
    030379F1A0201249F02060000000004009F3901059F3602060A9F3704514B715A9F0607A00000027710109F3501229F34030100029F3303E0B8C89F03060000000000009F09
    0200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F530152D028144AAC6050790CDF1D266E3A405A3D86F04BA2C6E16D5FFA6F960EE4A5A5F
    2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
    </txn>

Interac Purchase Void

Interac (no mac data):
– PURCHASE (Canada)
– processingCode 002000 = Debit Purchase from Checking
– 9.00 checking

xmldata=
<txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipsale</ssl_transaction_type>
    <ssl_tlv_enc>
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A020124370300200038030
    113515F2D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c513030303031
    30C00AFFFF0C0DE00000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F340101950580400080009F1B04000000005
    F200C5445535420434152442030379F1A0201249F02060000000009009F3901059F3602060A9F3704514B715A9F0607A00000027710109F3501229F34030100029
    F3303E0B8C89F03060000000000009F090200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F530152D028144AAC6050790CDF1D2
    66E3A405A3D86F04BA2C6E16D5FFA6F960EE4A5A5F2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
</txn>

– VOID above return
processingCode 022000 = Void of a Debit Return from Checking
– 9.00 checking

xmldata=
<txn>
     <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipdebitVOID</ssl_transaction_type>
    <ssl_txn_id>x</ssl_txn_id>
    <ssl_tlv_enc> 
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A0201243703022000380301135
    15F2D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c51303030303130C00AFF
    FF0C0DE00000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F340101950580400080009F1B04000000005F200C5445535
    420434152442030379F1A0201249F02060000000009009F3901059F3602060A9F3704514B715A9F0607A00000027710109F3501229F34030100029F3303E0B8C89F030
    60000000000009F090200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F530152D028144AAC6050790CDF1D266E3A405A3D86F04BA2C
    6E16D5FFA6F960EE4A5A5F2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
</txn>

Interac Purchase Return Void

Interac (no mac data):
– PURCHASE (Canada)
– processingCode 002000 = Debit Purchase from Checking
– 9.00 checking

xmldata=
<txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipsale</ssl_transaction_type>
    <ssl_tlv_enc>
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A0201243703002000380301135
    15F2D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c51303030303130C00AF
    FFF0C0DE00000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F340101950580400080009F1B04000000005F200C54455
    35420434152442030379F1A0201249F02060000000009009F3901059F3602060A9F3704514B715A9F0607A00000027710109F3501229F34030100029F3303E0B8C89F0
    3060000000000009F090200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F530152D028144AAC6050790CDF1D266E3A405A3D86F04BA
    2C6E16D5FFA6F960EE4A5A5F2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
</txn>

– SETTLE above transaction. you cannot return an unsettled transaction

xmldata=
<txn> 
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>SETTLE</ssl_transaction_type>
    <ssl_txn_id>xx</ssl_txn_id>
</txn>

– RETURN above emvchipsale
processingCode 200020 = Debit Return from Checking
– 9.00 checking
– ssl_txn_id is optional - missing is standalone, missing is linked (must be settled)

xmldata=
<txn>
    <ssl_merchant_id>my_merchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_transaction_type>emvchipdebitRETURN</ssl_transaction_type>
    <ssl_txn_id>x</ssl_txn_id>
    <ssl_tlv_enc>  
    5F5701005F3002022057114506440000001933D1512220000000000F9F260897544857E6F367DD9F2701805A0845064400000019335F2A0201243703200020
    38030113515F2D02656e9F4005F800F0A0019A031711279B0268009F21031401189C01009F420201244004062220179F41040000022082021C009F1E084c51
    303030303130C00AFFFF0C0DE00000A0004D9F1F16303030303030303230303030303030303030303030308407A00000027710105F34010195058040008000
    9F1B04000000005F200C5445535420434152442030379F1A0201249F02060000000009009F3901059F3602060A9F3704514B715A9F0607A00000027710109
    F3501229F34030100029F3303E0B8C89F03060000000000009F090200014F07A00000027710109F100706040A03A4A8009F0702AB005F24031512319F5301
    52D028144AAC6050790CDF1D266E3A405A3D86F04BA2C6E16D5FFA6F960EE4A5A5F2E8EFA75CD1A01187CF5F280201245007496e7465726163
    </ssl_tlv_enc>
    <ssl_entry_mode>05</ssl_entry_mode>
    <ssl_pos_mode>05</ssl_pos_mode>
</txn>