Transactions

Transactions

Transaction types

How to view recent Transactions

How to locate a specific Transaction

3D Secure

What to do when a Transaction is declined

TRANSACTIONS

Transaction types

Authorize

This Transaction is just asking if the funds are available in the cardholder’s account – if there is no associated capture transaction then this will void after 7 days

 

Capture

The money is taken from the cardholder’s account.

Cannot have a capture without an authorize

 

Chargeback

When a Chargeback (dispute) has been issued on a transaction.

 

Chargeback-reversal

When a Chargeback has been successfully challenged (Won) and the bank returns the funds

 

Purchase

Most members’ transactions (payments) just have a purchase as the type (authorise and capture is done in 1 transaction)

 

Refund

When a Refund has been issued

TRANSACTIONS

How to view Recent Transactions

By logging in to the Trust My Travel Infinity platform and selecting 'Transactions' from the Main Menu, you will see a summary of recent transactions associated with bookings made via the Trust My Travel platform.

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Transactions will automatically in appear in order of most recent first.

You can filter through transactions using the drop down menu to search for a specific transaction, processed via a specific channel. For example, you can search using the Trust ID. Please note that a Booking will have a different Trust ID to the Transaction Trust ID.

You can search by transaction date on the right hand side.  When you click on the dates a calendar will pop out so you can change your date search criteria.

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TRANSACTIONS

How to locate a specific Transaction

1.Use the drop-down menu to search for a Transaction:

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2.Type and search using the transaction data you have.

TRANSACTIONS

3D Secure

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3D Secure (3DS) adds an extra layer of protection for cardholders while purchasing online. With 3DS enabled, you have two-step authentication on every online purchase, therefore no payment should be processed unless you authorised by the cardholder.

Not only does this offer peace of mind to the cardholder and the merchant, it also allows a smoother online purchasing experience to the cardholder. Merchants issuing banks become liable for fraudulent chargebacks. Even if the customer claims they have an unauthorized payment from you on their card, most of the time the card provider will be liable for managing the refunds. 3Ds technology will no doubt continue to develop and take online payments to a whole new level.

Countries where 3DS (3D Secure) is required:

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom 

Understanding why a 3D Secure transaction has failed and to enable the cardholder to make a successful transaction:

Please Note: Under the 'Transaction' tab in the dashboard, you can view the specific reason a transaction has failed. Selecting the transaction and read the PSP Data section.

Response: ECI 00

3DS authentication either failed or could not be attempted; possible reasons being both card and Issuing Bank are not secured by 3DS, technical errors, or improper configuration.

Cardholder Action 1: check you have input all your details correctly

Cardholder Action 2: contact your issuing bank

 

Response: ECI 01

3DS authentication was attempted but was not or could not be completed; possible reasons being either the card or its Issuing Bank has yet to participate in 3DS, or cardholder ran out of time to authorize.

Cardholder Action 1: Make sure you have your mobile phone to hand to receive the OTP (One time passcode) that you need to authorise the transaction within 15 minutes.

Cardholder Action 2: check you have input all your details correctly

Cardholder Action 3: contact your issuing bank

 

Response: ECI 06

3DS authentication was attempted but was not or could not be completed; possible reasons being either the card or its Issuing Bank has yet to participate in 3DS.

Cardholder Action 1: check you have input all your details correctly

Cardholder Action 2: contact issuing bank

 

Response : ECI 07

3DS authentication either failed or could not be attempted; possible reasons being both card and Issuing Bank are not secured by 3DS, technical errors, or improper configuration.

Cardholder Action 1: check you have input all your details correctly

Cardholder Action 2: contact your issuing bank

 

Response: Frictionless Flow

Cardholder Action 1: Are you using a new device to make a transaction?

Cardholder Action 2: Try using a different device e.g. mobile phone, tablet, laptop

Cardholder Action 3: check you have input all your details correctly

Cardholder action 4: contact your issuing bank

 

Response: Transaction Declined (suspected manipulation)

Cardholder Action: your issuing bank suspects fraud so you must contact your bank’s fraud team as it is a fraud flag that is blocking the transaction.

TRANSACTIONS

What to do when a Transaction is declined outside of 3DS

When a transaction fails with the error message declined do not honour this means that the customer's bank has declined the payment.

Sometimes the payment may have been declined owing to failed CVV or AVS checks, so it's worth checking these fields are correct before trying anything else.

There are several possible scenarios that can trigger the 'Declined - Do not honour' response code:

  1. The bank's fraud rules (which consider various factors that are not made public) have been triggered.
  2. The bank may have placed a temporary hold on the customer's card.
  3. The purchase session may have been locked due to multiple declined payments.
  4. The seller is located in a country different from that of the card issuing bank.

To resolve a 'Declined - Do not honour' response, try the following:

  • Ask the customer to contact their bank, explaining that they are trying to process a payment. The customer can ask the bank to allow the payment;
  • Ask the customer to try again at a later time. The issuing bank may have only placed a temporary hold on the card; or
  • Ask the customer to use an alternative credit card.