docs.cresoracommerce.com/transaction-types

Transaction Types

Authoritative reference for every transaction action in Cresora. Understanding the distinction between an auth reversal, a void, and a refund is essential to correct integration and dispute management.

Quick reference

Transaction Type	Timing	Settlement Impact	Who initiates
Authorization	Before capture	None	Partner
Capture	After auth	Settles funds	Partner
Auth Reversal	Before capture	Releases hold	Partner
Void	Same day, post-auth	Prevents settlement	Partner
Refund (Card)	Post-settlement	Returns funds	Partner
ACH Reversal	Within 5 banking days of settlement	NACHA-governed	Partner
ACH Refund	Post 5-day reversal window	Treated as new debit	Partner

Auth reversal vs void

🔁Mode

The distinction matters: an auth reversal releases an uncaptured hold. A void cancels a transaction before it settles. Both prevent settlement, but they operate at different stages and have different API paths.

Worked example — Patient cancels before service (auth reversal)

A patient authorizes a $150 co-pay for an upcoming appointment. The appointment is cancelled before the card is captured. The ISV calls DELETE /v1/payments/{id}/authorization to release the hold. The cardholder never sees a charge.

Refund vs ACH reversal vs ACH refund

🔒Compliance

ACH reversals are governed by NACHA rules. They are only permitted within 5 banking days of settlement and only for specific reasons (erroneous debit, duplicate debit). Outside that window, the only option is an ACH refund — a new ACH credit entry.

ACH Reversal

Window: 5 banking days
NACHA entry: COR
Use when: Erroneous or duplicate debit

ACH Refund

Window: Any time post-settlement
NACHA entry: New PPD/WEB credit
Use when: Customer overpayment, service not rendered

Card Refund

Window: Typically up to 180 days
Rail: Original card network
Use when: Post-settlement return for card transactions