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Refunds to a Canceled or Expired Customer Card

You may encounter the need to process a refund but the customer has either canceled their original card or it has expired since the date of the original transaction.

Card brand rules require merchants to refund the original card used for the purchase, for security purposes you cannot refund the purchase to a different credit card owned by the customer. If the customer’s original card is now canceled or expired the customer’s bank will most often redirect the refund to their new or replacement card.

If the customer doesn’t have a new card the refund may be sent to their bank account. In the event the refund can’t be redirected or sent to their bank account the money will be returned to Helcim and you will receive an email notification with the details of the refund. In this case you will need to refund the customer by check or cash instead.

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