Return card balance

Balance return overview

Card balance return transfers the current available balance on a specific card back to the merchant’s corresponding currency account. After a successful return, the available card balance decreases and the corresponding amount returns to the merchant account for reallocation or centralized management.

In this document, balance return only refers to returning available balance from the card side to the merchant account side. It is not the same as a transaction refund or an external payout.

Fund transfer direction

Funds move from the card balance back to the merchant’s currency account.

Card balance -- balance return --> Merchant currency account

Before returning balance, make sure the card has returnable balance. If the available card balance is insufficient or the card status does not support balance return, the operation may fail.

Before returning balance

Before initiating a balance return, confirm that:

• The current card status supports balance return
• The current available card balance is greater than the return amount
• The return amount matches the current business arrangement and product rules
• The return currency matches the merchant’s corresponding currency account
• The returned funds can be reallocated to another card or business scenario if needed

Balance return operation

Card balance return can usually be initiated through the Dashboard. The actual entry point and available capabilities depend on the Dashboard display.

Through the Dashboard:

1. Go to the card details page
2. Click “Balance return” or the corresponding return operation
3. Confirm the return amount
4. Submit the request

Return result

After a successful balance return, the available card balance decreases and the corresponding amount returns to the merchant’s currency account. Merchants can usually view the following on the card details page:

• Updated balance
• Balance return records
• Recent balance movements or fund movement records

If the Dashboard displays corresponding balance movement records, the balance return result is usually reflected in later fund movement records. The actual display method depends on page capabilities.

Operation limits

• The return amount cannot exceed the current available card balance
• If the card status is abnormal, terminated, expired, or does not support balance return, the operation may fail
• Balance return arrival time and result status depend on the actual processing result
• After the balance return is complete, verify the fund movement on the card details page or account balance page
• If page display, arrival time, or field names differ, follow the actual Dashboard capabilities