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3

You are approaching this problem wrong. It also probably should not be on this site. There are some errors of thought in how you are thinking about this from a coding perspective. You are treating credit cards as a category but each type of issuer has its own rules and may have contracts that override the general rules. Each financial institution that ...


2

As you state you are interested in Europe (including CH), things are a bit different than they seem to be in the US (as far as I could read on this site). In Europe, we have the SEPA network. It connects banks (simply spoken) and can be used to transfer funds from one account to a different one. When I send you money, I enter your IBAN (international ...


4

The simple answer to your title question of, Is a credit or debit card refund is technically-speaking the same as a wire transfer? is no. They are not technically the same, or even technically related. In terms of the technical implementation, refunds against debit card or credit card purchases are the same thing as normal purchase transactions against ...


2

This question is hard to answer as written because responsibility shifts depending on the circumstances: amount, transaction type (i.e. PIN vs chip vs "card not present"), the timeliness in which the error is reported, and a number of other factors. Much of the rules governing this are dictated by regulation, although the card networks also implement ...


2

Wells Fargo offers PIN-only ATM cards for both checking and savings accounts.


1

CVR failed means Card Verification Request Failed. The Bank manager said it is due to some internal update, it will go away in a few days


2

We have a similar system in Australia, and I’m using that as a basis to answer your question. There are 3 relationships involved in the transaction: Bank and retailer - your R receipt is the retailer’s proof that you authorised the card transaction. Retailer and you - your C receipt is your proof of purchase. Bank and you - your B receipt (duplicate of R) ...


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