The “Payout terminal” allows you to manually process payouts (CFT refunds) to your customers.
This will credit the customer’s card with the amount specified on the page.
Required user roles
Admin
How to access
Select “Payout terminal” from the left (this is found under the "Payments" header).
Screenshot of Payout terminal (Click to expand)
You can only process a refund using the Payout terminal if your acquiring bank has issued you with a CFT (Cardholder Funds Transfer) merchant number. This functionality is supported for merchants with a Trust Payments acquiring account, but if you are using a different acquiring bank, you will need to contact our Support Team to check this feature is supported before proceeding.
Mastercard MoneySend Payments are not currently supported via the Payout terminal. Contact our Support Team for more information.
Process a payout
Fill in the form with the customer’s payment, billing and delivery details and press the “Process” button in the bottom-right of the page. This will credit the customer’s card with the amount specified.
If you intend to re-use credentials in a future payment, you will need to set the Credentials on file value to “1 – Credentials stored for re-use”.
- This field can be found under the “Transaction details” heading.
- This is mandated by Visa and Mastercard.
Any re-authorisations processed using this transaction as the parent must also pass through Credentials on file value “2”.
Following this, you will then be presented with details of the processed request as confirmation:
- Summary – A panel is shown at the top of the page summarising key aspects of the transaction, including the current status (e.g. “Pending”), the amount and currency, as well as the payment method used and masked card number.
- Transaction details – All additional transaction information is displayed below the summary panel.
IIN lookup
The IIN (Issuer Identification Number) is taken from the first 6-9 numbers of a card and can be used to identify basic information about the card. The IIN lookup functionality allows users to enter the IIN (or an entire card number) into the Virtual terminal and retrieve this information.
The IIN lookup service enables telephone order sales assistants to check the origin of a customer’s payment card and determine whether it attracts a premium interchange rate. This is especially important where the card product may be a commercial card or a consumer premium product card issued outside of the EU or EEA region. Our system will assist you determining if the card is subject to a higher level of interchange. Where a higher level of interchange is sought, the telephone order sales assistant will be able to add the level of interchange as an additional service fee.
Refer to the following resources for further info on interchange rates: VISA Mastercard
Important: Card issuers regularly update the IIN ranges, affecting the information that is returned by this service. We regularly update our records, but cannot guarantee to return the most recent details in all cases.
You can enter the following data into the Card number field:
- Entire unmasked card number.
- Masked card number (providing the IIN is not masked).
- The first 6-9 numbers of a card.
Press the magnifying glass button next to the card number to submit the IIN lookup request.
Upon entering a valid IIN or card number, if the information is available to be returned, you will be presented with the following information:
- Card brand – The name of the payment method.
- Payment type description – The English description of the payment method
- Bin category – Type of card identified (e.g. consumer or commercial card)
- Issuer name
- Issuer country
Field specification
If you would like to learn more about the fields submitted on this page, please refer to this field specification.
"Transaction details"
| Field | Description |
| Site reference | The unique site reference through which the payout will be processed. |
| Operator username | This is pre-filled with your Portal username (this cannot be modified). |
| Request | This can only be set to “REFUND”. |
| Order reference | You can assign a custom reference for the payout for your own records. |
| Settle due date | Date the payout will be submitted for settlement. If no date is set, this defaults to using today’s date, meaning settlement will be attempted within 24 hours. |
| Settle status |
The settle status value the payout will be set to immediately after it has been processed. |
| Account | The account used to process the transaction can only be set to “CFT / OCT (Refund)”. |
| Credentials on file | Indicates whether payment credentials will be stored for future requests:
If you intend to re-use credentials in a future payment, you will need to set the Credentials on file value to “1 – Credentials stored for re-use”. |
"Payment details"
| Field | Description |
| Authorised amount | Amount to be credited to the customer’s card (e.g. “10.99” or “10,99”). |
| Currency | The currency of the payout (e.g. “GBP”). |
| Payment type | The payment type used to process the payout (e.g. “VISA”). |
| Card number |
The customer’s card number. Click the magnifying glass after typing a card number to perform a look-up for known details about this card. |
| Expiry date | Expiry date found on the front of the customer’s card. |
| Security code | The card’s security code (this is typically 3 digits found on the signature strip on the back of the card – for American Express cards, the security code is 4 digits on the front card). |
"Billing details"
| Field | Description |
| Title | The billing prefix name (e.g. “Mr, Miss, Dr”). |
| First name | The billing first name. |
| Middle name | The billing middle name(s) or initial(s). |
| Last name | The billing last name. |
| The billing email address. Maximum length of 255 (maximum of 64 characters before the ”@” symbol). | |
| Telephone | The billing telephone number. Valid characters:
|
| House name/no. | The house number or first line on the billing address. |
| Street | The street on the billing address. |
| Town | The town on the billing address. |
| County | The county on the billing address. For US addresses, the state would be entered in this field. Valid formats:
|
| Country |
The country on the billing address. This will need to be in ISO2A format. |
| Postcode | The postcode or ZIP code on the billing address. This must be a valid postcode/ZIP code for the billing country submitted. |
"Delivery details"
| Field | Description |
| Title | The delivery prefix name (e.g. “Mr, Miss, Dr”). |
| First name | The delivery first name. |
| Middle name | The delivery middle name(s) or initial(s). |
| Last name | The delivery last name. |
| The delivery email address. Maximum length of 255 (maximum of 64 characters before the ”@” symbol). | |
| Telephone | The delivery telephone number. Valid characters:
|
| House name/no. | The house number or first line on the delivery address. |
| Street | The street on the delivery address. |
| Town | The town on the delivery address. |
| County | The county on the delivery address. For US addresses, the state would be entered in this field. Valid formats:
|
| Country |
The country on the delivery address. This will need to be in ISO2A format. |
| Postcode | The postcode or ZIP code on the delivery address. This must be a valid postcode/ZIP code for the delivery country submitted. |
