Credits and Payouts

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Credit Restrictions

Nuvei restricts processing refunds and credits as per internal refund policy. There may be various Filter Error Codes that appear if you exceed the credit limit.

Credits Total Amount Exceeds Restriction

The Filter Error Code is 1124.

For every account, Nuvei’s policy sets a credit limit equal to 100% of the total sales amount over the previous 7 days regardless of credit type. The response you would get once you pass the limit: “Credits total amount exceeds restriction”.

The calculation for the credit restriction is based on 100% of your positive sales amount over the previous seven days minus any current credit balance.

Example:

Assume that from 1/1 at 21:00 until 1/8 at 21:00, the positive balance (approved sales) was $1,000. Assume that credit transactions processed during the same period amount to $400.
Then, the allowed credit at the designated time of 1/8 at 21:00 is:

1,000*100% – 400
1,000 – 400 = 600

When reaching the above-mentioned restriction, you have two options:

  • To wait for new sales to arrive, which increases your credit amount and only then to process the refunds.
  • To contact your account manager or the Risk Department requesting an increase of the credit amount in accordance with your balance.

Credit Amount Exceed Total Charges

The Filter Error Code is 11o6.

This error is activated when processing fraud credit and the amount of the credit is higher than the initial transaction amount. It can also occur when processing credit on transactions that were already credited, and the total amount of the credits is higher than the initial sale transaction amount.

Credit Amount Exceeds Ceiling

The Filter Error Code is 1126.

This error occurs when the amount of the credit sent is higher than the permitted amount set on Nuvei’s systems, per single credit transaction per merchant. For example, a system limitation of 10,000 USD for a single credit transaction for a specific merchant.

Payouts Restrictions

These restrictions only apply to clients that have an active CFT Merchant Identifier (MID) and are placed by the Schemes.

Mastercard

Restrictions

The OCT limit is 50,000 euros or the appropriate currency equivalent per transaction. The “Limit Exceeding Amount” response is returned if the limit is passed.

Gaming and Gambling Payouts
The Mastercard Gaming and Gambling Payments Program allows a cardholder to receive gaming winnings within 30 minutes after a participating issuer approves the associated authorization request.
Merchants under MCC 7995 and 7994 must provide the cardHolderName when sending the Mastercard Payment Transaction.
You can provide the cardholder name in the following ways:
  • Before sending the /payout request, check if the paymentOption.card.cardHolderName was previously collected in a Deposit transaction and stored in the User Payment Option record. If so, you don’t need to send it again in the /payout request.
  • Include the cardData.cardHolderName parameter when sending the /payout request.

Visa

Under Visa International regulations, non-money transfer OCTs can be processed up to an equivalent amount of 50,000 USD per credit card per day. For more details, please refer to the table below.

The response you receive once you pass the limit: “Limit Exceeding Amount”.

OCT Transaction Type Time Period
One-Day Seven-Day Thirty-Day
Domestic / Intra-EEA 150 transactions or USD 250,000 250 transactions or USD 600,000 750 transactions or USD 1,250,000
Inter-Regional 30 transactions or USD 50,000 50 transactions or USD 100,000 150 transactions or USD 200,000

Payout Supported Countries

Visa 

Below you can find the Credit Funds Transfer (CFT) restricted countries for Visa in the Gaming Industry.

  • Barbados
  • Benin
  • Bolivia
  • Botswana
  • Brazil
  • Burkina Faso
  • Cameroon
  • Cape Verde
  • Cote d’Ivoire
  • Curacao
  • Egypt
  • El Salvador
  • Fiji
  • Gabon
  • Gambia
  • Guinea
  • Honduras
  • Hong Kong
  • India
  • Iraq
  • Japan
  • Jordan
  • Kyrgyzstan
  • Lao Peoples Democratic Republic
  • Madagascar
  • Malawi
  • Malaysia
  • Morocco
  • Mozambique
  • Namibia
  • Nigeria
  • Norway
  • Oman
  • Paraguay
  • Puerto Rico
  • Serbia
  • San Marino
  • Saudi Arabia
  • Singapore
  • Sri Lanka
  • Tajikistan
  • Tanzania, United Republic of
  • Trinidad and Tobago
  • Turkey
  • United States
  • Uruguay
  • Vietnam
  • Zambia
  • Zimbabwe

Below you can find the CFT allowed countries for Visa in the Crypto currency Industry. All the remaining countries are restricted:

  • Austria
  • Belgium
  • Bulgaria
  • Croatia (local name: Hrvatska)
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia (Slovak republic)
  • Slovenia
  • Spain
  • Sweden
  • United Kingdom

Visa supports OCT for all countries in all other industries, yet it depends on the issuer bank whether the BINs are supported.

Canadian Visa Direct Withdrawals/Payouts should be sent with:

  • End user Address
  • End user City
  • End user State
  • End user ZIP
  • End user Country

Mastercard  

Below you can find the Original Credit Transfer (OCT) supported countries for Mastercard in the Gaming Industry.

  • Andorra
  • Austria
  • Belgium
  • Bulgaria
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • France
  • Germany
  • Gibraltar
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Luxembourg
  • Malta
  • Monaco
  • Netherlands
  • Norway
  • Portugal
  • Romania
  • San Marino
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Turkey
  • United Kingdom (including the Channel Islands & Isle of Man)

Mastercard supports OCT for all countries in all other industries.