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Prior to a transaction settling, it may be voided, and no transaction fees should be incurred. After it has settled, without special arrangements, a transaction may be refunded within 120 days. This is a very common restriction in the credit card industry as the payment processors do not want to keep card numbers on file for longer than that. This restriction is not put in place or enforced by inLeague. The only way around it (if Authorize.net is your payment gateway) is to apply for Expanded Credit Capabilities ("ECC") which allow arbitrary (or "unlinked") refunds to be issued against any card. inLeague will still constrain refunds such that they can only be issued against existing transactions.
Refunds and Expired / Canceled Cards
Almost all refunds are "linked" to the original transaction and can only be applied to the card used for that transaction. If a card expires and is re-issued with a new expiration date, typically this will not prevent refund processing; the account number is the same and the payment gateway considers it the same card; expiration dates can be validated for payments but they are not validated for refunds.
If a card has been canceled or re-issued due to fraud such that the card number has changed, then the original account is no longer active and refunds cannot be issued through the normal mechanism. The only way to issue a refund to a new card is to use the ECC process described above, but also to issue the refund directly through the payment gateway. inLeague will not allow you to enter a new card number for an "unlinked" refund, but the payment gateway will; this is a security consideration since numerous people in a league may have access to issue refunds from inLeague, while only one or two will have a login to the payment gateway. Refunds issued in this manner will not "show" on inLeague, so we recommend entering these as check refunds so that the amount is recorded on the inLeague side as well as in the payment gateway.
Is it possible to maintain multiple merchant accounts?
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