Support Services

Discover Best Practices Return Authorization Message

Discover, like Visa requires merchants to send Purchase Return Authorization (PRA) messages for refund transactions. 

Below are best practices as suggested by Discover:

  • The minimum mandatory data requirements for supporting the authorization request for refund transactions are; the primary account number (PAN) and expiration date. The best practice to have the card presented again to confirm the information is up to date.
  • Merchants that participate in Visa Account Updater (VAU) should include accounts to be refunded in their VAU inquiry batch file.
  • The refund transaction should be preformed in the same POS mode as the original transaction. If the transaction must be through a different method, the record of the first transaction should no longer be retained.
  • No mention should be made of the original payment method data in the PRA message to avoid misrepresentation of the original data.
  • A response code of either 00 (approval) or 85 (no reason to decline) must be actioned as an approval response.
  • A merchant may process the refund onto a different (alternate) Visa account under the following circumstances: T
    • The original account is no longer available or valid (e.g., the original card has been replaced due to expiration or being reported lost or stolen, or was a Visa prepaid card that has since been discarded).
    • The authorization request for the refund transaction was declined by the issuer

Did you find it helpful? Yes No

Send feedback
Sorry we couldn't be helpful. Help us improve this article with your feedback.