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How to Complete a Refund Using Authipay

If your business uses Authipay for online payments, you can issue a refund directly through the Authipay virtual terminal. Refunds send funds back to the customer's original payment card using the transaction details from the original purchase.

Note: Authipay access credentials are provided by your Acquirer (e.g. AIBMS). Facilipay does not issue Authipay logins or support Authipay login issues — contact your AIBMS representative if you need help accessing the portal.

Before You Begin

  • You must have the customer's card number and transaction details handy.
  • You must be logged in to the Authipay virtual terminal.
  • Confirm with the customer whether to process the refund in their local currency or a base currency (e.g. EUR).

Step-by-Step: Issue a Refund via Authipay

  1. Log In to Authipay
    Go to the Authipay virtual terminal login page at https://www.ipg-online.com/vt/login/AUTHIPAY and sign in with your credentials.

  2. Select the Credit Option
    After logging in, choose Credit on the terminal screen — this is the function used for refunds.

  3. Enter Required Refund Details
    You'll see a form where you must input several pieces of information:

    • Merchant and customer details
    • Original transaction type (select Electronic Commerce)
    • Card type (Debit or Credit)
    • Card number and cardholder name
    • Any other required fields marked as mandatory on the screen

    Fill in all required fields before continuing.

  4. Choose Refund Currency
    Choose the refund currency:

    • Customer's local currency (recommended)
    • Euros (EUR)

    Discuss this choice with the cardholder as it affects how the refund is processed.

  5. Review and Confirm
    Review all the information you've entered on the confirmation screen. If everything is correct, click Confirm to submit the refund.

  6. View Transaction Result
    Once confirmed, you'll see a result screen showing whether the refund was approved or declined. You can also print or save a receipt for the refund transaction.

Tips & Best Practices

  • Use the original transaction info: Ensure you use the correct transaction origin and card type to avoid processing errors.

  • Allow time for the refund: Refund processing times vary by card issuer — refunds may take several business days to appear on the customer's statement.

  • Consult your acquirer: If you see declines or error messages, contact your acquiring bank or Authipay support for guidance.

  • Keep documentation: Always keep a copy of the refund receipt for your records.