Credit Method

Submits a credit transaction, returning funds to a debit card.

Object Oriented Interface

public function doCredit();

Procedural Interface

inpaydirect_fdmsdebit_do_credit($res);

Remarks

Debit card credit (return) transactions differ from credit card off-line credits in that they are real-time -- Funds are immediately added to the customer's bank account, instead of the funds transfer taking place several days after settlement. Debit card transactions also must use track2 data read from the card's magnetic stripe. Track1 data is not acceptable, and a debit card may not be manually keyed. The customer enters his or her PIN number into a certified PIN Pad device, and both an EncryptedPIN and KSN (Key Sequence Number) are returned from the pad to the merchant, and must be submitted in the Credit/Return transaction.

Even though debit transactions are real-time, FDMS requires they be settled at the end of the day just like credit card transactions.

Important Note: You must ping your list of service provider URLs and update the URL property to the service provider with the shortest response time every 100 transactions, as well as when your application initially starts. This is not a normal ICMP ping - to determine the fastest transaction URL you must use the special Ping method inside the FDMSRegister class. (You may update your list of service provider URLs with the FDMSRegister class's ServiceDiscovery method).