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New MasterCard and Discover Processing Requirements

Thread began 4/13/2010 11:08 am by bryan107833 | Last modified 4/29/2010 2:06 pm by Jimmy Wu | 1206 views | 3 replies |

bryan107833

New MasterCard and Discover Processing Requirements

Hello- I use Authorize.net for my processing and received the following notice yesterday. I beleive that these new requirments are of course not specific to Authorize.net and I am trying to find out if ecart can handle these changes. I currently use ecart4, will I need to upgrade to ecart5? It would appear that perhaps it is the "partial authorization" issue that is concerning my business. Thank you, Bryan
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What are the requirements?
MasterCard and Discover are requiring that all merchants support the following:

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Balance response transactions — For prepaid and gift cards, once the card has been used, the remaining account balance will be transmitted along with the authorization response. The remaining balance must be printed on the customer receipt, displayed on the Web page or point-of-sale terminal, or both.

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Partial authorization transactions — When a customer's transaction amount exceeds the balance available on their debit, prepaid or gift card, instead of declining the transaction, a partial authorization for the amount available to the customer will be returned. This will allow the customer to pay for the remaining amount with another form of payment. This is called a split-tender transaction.

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Authorization reversals — An authorization reversal is a real-time transaction initiated when the customer decides that they do not want to proceed with the transaction, or if the merchant cannot complete the transaction for any reason. Authorization reversals free up the customer's available balance on their debit, prepaid or gift card.

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Jimmy Wu

We are aware of the situation and currently are working towards a solution. As far as Authorize.net is concerned, you have until June 30, 2011 to update the code, so you have over a year before you will be affected. When we come out with a solution users will be notified.

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anthony399409

Dangit! I just posted another thread about this. I'll link it to this one.

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Jimmy Wu

That would be a good idea. As I stated above, and responded in your other thread, we are working on an update and will get it released when we can. Sorry for the inconvenience.

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