Merchant Services Transaction Management FAQ
Description
What's in this article?
How can I view the status of a transaction?
In Transaction Management > Transactions, review the application column.
- Green indicates a successful transaction
- Black indicates that the transaction did not process,
- Red indicates a decline for a reason code other than 101.
Click on the Request ID for the transaction to view additional details. Learn more about viewing transactions.
NOTE:
A completed transaction includes both a credit card authorization and a credit card settlement.
How long can authorization and settlement data be accessed?
- Authorization data is available for up to 13 months.
- Settlement data is available from the day your processing began.
You can search using default date ranges or define custom date ranges of up to three months at a time.
What is the maximum transaction limit?
- Virtual Terminal transactions allow entry of up to 12 characters for the transaction amount.
- Physical terminal maximum transaction limit is $99,999.99.
How do I identify my connection/processing method (terminal, e-commerce, Virtual Terminal)?
- Log in to your merchant account.
- Select Transaction Management > Transactions.
- Locate the transaction
- Click the Request ID to view details.
- On the transaction details page, the Client App field identifies the processing method.
Can I see activity detail for each hardware device in Business Advantage 360 online banking?
Yes. Sales activity details are available by Terminal ID (TID) and are also included in on the export file.
How many users can have their own login information under a single merchant ID (MID)?
Business Advantage 360 online banking allows up to 99 sub-users under the same online ID.
Do fees appear in Business Advantage 360 online banking daily or only at the end of the month when they are billed?
Fees appear at the end of the month when billed.
Transaction fees show daily in Business Advantage 360 online banking.
Can I email a receipt to my customer from Merchant Services in online banking?
No. Your Merchant Services account in Business Advantage 360 online banking does not support emailing receipts to customers.
However, your payment solution offer receipt email capabilities.
I received a Reason Code 203 - what does that mean and what can I do?
Reason Code 203 is a hard decline issued by the customer's card issuer. The reason specific reason why is not provided.
Ask the customer to provide a different payment method.
My customer says that funds were taken out of their account, but I did not receive a 100 reason code and I did not received funding. Why?
This means a soft decline has occurred, corresponding to reason code 200 or 230.
A soft decline occurs when:
- The customer's issuing bank authorizes the transaction.
- Bank of America rejects the transaction due to a business rule setting.
As a result:
- The successful authorization placed your customer's funds on hold
- The transaction is not settled
- You do not receive funding.
You may:
- Request an authorization reversal to release the hold on the customer's funds, or
- Continue with the sale by requesting that the transaction settle.
Can I refund a PIN transaction through my Merchant Services account?
No. PIN debit transactions can only be refunded using an A-series device with the payment application. For assistance, call Customer Support.
Can I still take payments when my devices are offline?
Yes, if your solution supports the Offline Mode or Store and Forward (SAF) mode.
When enabled, transactions can be stored locally and submitted for authorization once connectivity is restored.
IMPORTANT!
Carefully review the risks associated with using this option. You assume the risk of a declined or partial payment because offline payments are not processed until the device is back online. Settlement funding time may also be affected.
I use Point of Sale Solution. Where do I manage my transactions?
Point of Sale Solution offers transaction management as part of the Point of Sale Solution Back Office.
Can I change a transaction amount after it is processed?
No. Once a transaction has been processed, the amount cannot be changed.
If an incorrect amount was processed, you may:
- Void the transaction before settlement
- Issue a refund after settlement
To collect the correct amount, a new transaction must be processed. See Merchant Services Follow On Transaction Management for more follow on transaction options.
Can I view a customer's last name and the last four digits of their card number in Merchant Account reports?
For transactions at the point of sale (chip, swipe, or tap payments), reporting includes:
- The last four digits of the card number.
- In accordance with industry standards, the cardholder’s last name is not captured during these transactions and is therefore not reported.
For online card payments:
- The last four digits of the card number.
- The cardholder’s last name is reported only if the online payment system requires that information during checkout.