Payment Actions

This section explains the terminology used on N-Genius Online for Payment Actions

Auth Payment

An Authorization (Auth) is a request to reserve funds on the cardholder’s account—commonly referred to as "ring-fencing" or placing a "shadow" on the funds. This ensures the required amount is available without immediately debiting the card.
When a card is authorized, the specified amount is temporarily held but not yet transferred to the merchant.
Once the merchant is ready to finalize the transaction, they must capture the authorized amount to initiate settlement.

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If the payment is not captured within a time frame defined by the issuing bank (typically a few days), the reserved funds are automatically released back to the cardholder.

Capture Transaction

A capture is requesting the funds that were ring-fenced by the preceeding Auth. Actually putting the transaction in the settlement file.

Partial Capture

You can partially capture the authorised amount by entering in the amount less than the authorised amount.

Purchase Transaction

A purchase transaction is where the payment is captured immediately after the authorization. It is similar to the Sale transaction. In this case, there is no scope for the merchant to initiate an auth reversal as the actions(auth and capture) happen one after the other. Purchase = Auth + Capture.

Refund Payment

Refunding money back onto a card, this occurs after settlement has taken place. Must be linked to an original transaction.

Merchant Admin users have the permission to do refunds on the portal. The refund is allowed only after settlement, typically 24 hours post capture or purchase takes place.

Go to "Orders" and click on the closed order you wish to refund.

Click on "refund" button to refund the transaction in full. The refund will be processed and depending on the card issuer the refund can take about 2-3 days.

When you click "Refund" you have the option to partially refund the transaction.

Partial Refund of Partial Capture

You have the flexibility to refund the partially captured amount or partially refund the partial captured amount. Each of the actions will be shown at the top of the order page under the original amount authorised. This is only available for non MCP transactions, due to currency variations.

Auth Extension

The Authorization Extension transaction allows merchants to either:

• Extend the validity of an existing authorization by one additional settlement cycle, or
• Modify the authorized amount (where supported).

N-Genius supports the following:

• For VISA and Mastercard transactions: both the authorization period and amount can be extended.
• For MADA transactions: only the authorization period can be extended, and only by one additional settlement cycle.

Full Auth Reversal

An Auth Reversal is removing the shadow on a card that was placed by an Auth.

Partial Auth Reversal

A Partial Authorization Reversal occurs when a merchant chooses to release a portion of the funds that were previously authorized.
This is useful when the full authorized amount is no longer required—for example, if part of an order is canceled or adjusted.The unreleased portion remains reserved until it is either captured or fully reversed.

Verify Card (Zero Value Auth)

A Verify Card - Zero Value Auth. An authorisation for a value of zero. Used to verify a card is good for future payments. Often used at the time of registration for a service.