Cresora Commerce Documentation

Understanding the distinction between an auth reversal, a void, and a refund is essential for correct integration and dispute management.

Quick reference

Action	When	Settlement	Cardholder impact
Auth reversal	Before capture; same day	None	Hold released immediately
Void	Before capture; next day+	None	Hold released (may take 1–5 days at issuer)
Refund	After capture	Credit issued	Credit in 3–7 business days
ACH reversal	Same-day ACH only	Reversed	Debit cancelled
ACH refund	After ACH settlement	Credit	New credit ACH entry

Card transactions

Auth reversal vs. void

An auth reversal releases the authorization before capture, on the same day the authorization was created. The hold is released immediately at the issuer.

A void also cancels an uncaptured authorization, but applies when the authorization is not same-day. Void may take 1–5 business days to release at the issuer.

# Auth reversal
POST /v1/payments/{id}/void

Refund vs. credit

A refund reverses a captured payment. It requires the original payment ID and creates a linked credit to the cardholder.

POST /v1/refunds
{
  "payment_id": "pay_xxx",
  "amount": 5000   # partial refund; omit for full refund
}

ACH transactions

ACH adds two additional transaction types because of NACHA's return window rules:

ACH return — initiated by the receiving bank (R-code). Cresora fires ach.return.received. Not initiated by you.
ACH reversal — same-day reversal you initiate before the ACH file settles.
ACH refund — credit entry after the debit settles.

Disputes (chargebacks)

A dispute is initiated by the cardholder through their bank. Cresora fires dispute.created and you have a limited window to submit evidence.

ℹPhase 1 roadmap

Dispute management via the API is on the Phase 1 roadmap. At MVP 0, disputes are handled through the Partner Portal.

Transaction Types