Understanding Invalid Reversal: What Happens When Your Payment Fails
When you make an online payment with your PaySika Visa card and it fails, you might receive a message saying "invalid reversal."
But what does this term actually mean, and what should you do next?
In this article, we’ll explain in detail what an invalid reversal is and how it can affect your transaction.
What is an Invalid Reversal?
When you make an online payment, the merchant’s website sends a unique code to your card issuer (PaySika) to authenticate the transaction.
Sometimes, due to reasons beyond PaySika’s control, the merchant sends an incorrect code, which results in an "invalid reversal."
It’s important to note that this message doesn’t always mean the payment has failed.
In some cases, the merchant may still validate the transaction and request the payment from PaySika via Visa, even after an invalid reversal.
PaySika’s Resolution Process
Sometimes, PaySika may pay the amount immediately to ensure customer satisfaction.
However, the merchant might request the payment again through Visa, which could result in a duplicate payment by PaySika.
To avoid financial losses, we’ve decided to adhere strictly to the deadlines imposed by Visa.
What Are the Settlement Timeframes Set by Visa?
To allow the merchant to confirm or definitively cancel the transaction, Visa has set a settlement window of 7 to 30 business days.
If the merchant makes no claim within this timeframe, the funds are automatically returned to your account.
In conclusion, although this situation can be frustrating, it's important to remain patient during the process.
These timeframes are in place to ensure a fair resolution of transactions.
If you have any concerns or questions regarding an invalid reversal on your PaySika card, we encourage you to contact us.
But what does this term actually mean, and what should you do next?
In this article, we’ll explain in detail what an invalid reversal is and how it can affect your transaction.
What is an Invalid Reversal?
When you make an online payment, the merchant’s website sends a unique code to your card issuer (PaySika) to authenticate the transaction.
Sometimes, due to reasons beyond PaySika’s control, the merchant sends an incorrect code, which results in an "invalid reversal."
It’s important to note that this message doesn’t always mean the payment has failed.
In some cases, the merchant may still validate the transaction and request the payment from PaySika via Visa, even after an invalid reversal.
PaySika’s Resolution Process
Sometimes, PaySika may pay the amount immediately to ensure customer satisfaction.
However, the merchant might request the payment again through Visa, which could result in a duplicate payment by PaySika.
To avoid financial losses, we’ve decided to adhere strictly to the deadlines imposed by Visa.
What Are the Settlement Timeframes Set by Visa?
To allow the merchant to confirm or definitively cancel the transaction, Visa has set a settlement window of 7 to 30 business days.
If the merchant makes no claim within this timeframe, the funds are automatically returned to your account.
In conclusion, although this situation can be frustrating, it's important to remain patient during the process.
These timeframes are in place to ensure a fair resolution of transactions.
If you have any concerns or questions regarding an invalid reversal on your PaySika card, we encourage you to contact us.
Updated on: 06/04/2025
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