A POS may show a batch as closed, a processor portal may show it as settled, and yet the merchant’s bank account may still show no deposit. A missing merchant deposit does not automatically mean funds were lost or that the processor failed. The difference can come from cutoff timing,...
Duplicate Card Charges After a Timeout: How to Check Authorizations Before Issuing a Refund
A customer taps or inserts a card. The terminal keeps spinning, the checkout screen freezes, or the POS eventually reports a timeout. A cashier tries the payment again, the second attempt succeeds, and minutes later the customer opens a banking app and sees two entries for the same amount. That...