Payments General
Can we update the funding source for a Billing Agreement on behalf of the customer?
Yes!
When a refund is issued, where will the funds go?
To the same funding source that was used for the payment.
The Info Center article on how to resolve the negative balance.
SOL1035
An authorization will automatically expire after ___ days.
29
What Spark workflow will you use if a customer contacts us stating their payment won't go through?
A. Hold or Pending Balance
B. Refund
C. Unclaimed Payment
D. Payment Declined
D
Time taken for the payment to reflect on the recipient's account.
For:
1. eCheck payment
2. Instant Transfer
3. Card payment
1. 6-7 business days
2. Instant
3. Instant
Refund timeframes for bank account and card.
Bank account: within 5 business days
Cards: usually within 5 business days but it might also take up to 30 days depending on the card issuer.
Select all that apply. Which of the following situations can take a customer's account negative?
A: A refund was issued on their behalf to cover a buyer's complaint
B. The bank account used to fund the payment did not have enough funds
C. The payment was risk declined
D. Every time you send money, your account goes negative
A and B
When an authorization is pending on a customer's account, who has the ability to cancel it?
Merchant
What is the SOL for credit card and declined payments error return codes?
SOL2638
If a customer changes their funding source within 72 hours of the scheduled payment, the new funding source may not be charged. (True/False)
True!
Is partial refund possible on personal payments?
No. Partial refund can only be done on Goods/Services payments.
Difference between Confirmed and Unconfirmed Negative balance.
The merchant is allowed to re-authorize a payment up to a maximum of 10 times. (True/False)
False
What are the different types of payment declines?
1. Override available
2. No-override available
3. Not a risk decline
What reasons could cause a payment to be “Unclaimed"?
1. No PayPal Account
2. The payment was not completed by the card issuer
3. The bank account was not confirmed
4. The payment was sent to an unregistered/unconfirmed email address
1, 3 and 4
The transaction was initiated on 14th February 2022 and buyer is requesting for refund. Can the seller get an option to process the refund today? If no, what is the alternate resolution that we can give to the customer.
They cannot issue a refund on the same transaction, since it has been more than 180 days. However, the seller can send a separate payment.
If there is a negative balance of $40 in a PayPal account, can the customer add more than $40 at once to resolve the negative balance?
No. The customer has to add $40 first to resolve the negative balance and then he can add as much as he wants to his PayPal account.
Merchants can also collect an amount less than the original authorization. (True/False)
True
Which of the following is not a decline type that offers Step Up Authentication?
A. Collusion Decline
B. ATO Decline
C. Risk Decline
D. Card Issuer Decline
D
Name any 4 scenarios which triggers Auth Flow.
1. Making Profile changes
2. Sending money
3. Withdrawing money
4. Logging in
5. Security changes
6. Confirming identity to resolve a limitation
How the refund is processed from seller’s end? Explain all the possible ways.
1. If seller has balance in his PP account then he can use that to issue a refund instantly.
2. If there is no enough balance in his PP account then the refund will be issued from his bank account as an eCheck.
How and when do we notify/remind the customers about their negative balance?
Automated Email Notifications sent to customers
What happens next when a merchant re-authorizes the payment during day 4 to day 29?
It will initiate another 3 day Honor Period.
Select all that apply. What scenarios may lead to a declined payment?
A. The email address is not confirmed
B. An issue with the funding source selected (insufficient balance or declined transaction)
C. The payment can never get declined
D. Limitation placed in the PayPal account
A, B and D