The process of completing a transaction between the Merchant and the Bank proceeds after the Customer makes an order payment to the Merchant using a card bearing the GPN logo. This process aims to provide information to the Merchant regarding the income received by bookkeeping, whether the nominal transaction received is similar to the nominal recorded at the Bank.

Sometimes, Merchants experience a Void or Refund process that makes the Settlement process unsuccessful.



Transaction cancellation can be submitted if the transaction has made a full payment (full amount) which has been successful and hasn't been through the Settlement process.



Refund is a process of repayment of funds that occurs with the agreement between Customer and Merchant without any dispute between both parties. There are 2 types of Refund, which are:

Refund of all funds allows Customers to requests a refund for all purchases from the shopping list at the Merchant and accommodates the Merchant to refund the Customer according to the nominal amount submitted.

Partial Refunds allows Customers to requests a refund for particular items from the shopping list at the Merchant and accommodates the Merchant to refund the Customer according to the nominal amount submitted.