To check the entire transaction process, enter a test transaction in Live Mode, with a MasterCard or Visa credit card, then check in the current batch file to confirm that the sale went through. Optional text can be added by filling in the displayed fields. The MCPS system automatically settles batches at the end of each day. The transaction data is sent to the appropriate merchant's processing bank which then funds the merchant's bank account in typically 2-3 days. Often the discount is taken from the total amount before being forwarded.
Any customer has the right to dispute a credit card charge from the card's issuing bank.
If a charge is challenged, a retrieval request will be sent to the merchant asking for proof that a sale had been made by the customer. In addition, the merchant's credit card processor has the right to discontinue service for many reasons. And finally, a merchant should take due diligence to protect against someone trying to order merchandise with stolen cards by becoming familiar with the process. Currently, a match or mismatch is simply reported back to the merchant, and does NOT result in a transaction decline. It is intended to help the merchant make an informed decision at the time of purchase whether or not to accept a person's credit card.