TopUp Transaction (2024)

If the final amount of the transaction is likely to exceed the amount of the PreAuthorization, a top-up can be done. A top-up transaction increments the original preAuthorization amount and requests authorization of the incremented amount. A merchant may process one or more top-up transactions or none at all.

TopUp Transaction (1)

The merchant's system sends a TokenTopupRequest message to ANYpay POS that contains the tokenized card number returned in the response to the original pre-authorization request, the original transaction reference for the PreAuthorization in the PreAuthTransactionReference field to link the TopUp to the original PreAuthorization and the merchant's own unique transaction reference is required for the TopUp

Section TokenTopupRequest Element describes the elements required to build an TokenTopupRequest message. An example of a TokenTopupRequest message can be seen below.

📘

Key elements of a TokenTopUpRequest message

PreAuthTransactionReference Must match the Transaction Reference used in the associated PreAuthorization transaction

An example of a TokenTopupRequest message can be seen below.

<?xml version="1.0" encoding="utf-16"?><TokenTopupRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://servebase.com/2009/06/pedframework"> <TransactionConfig> <CustomerCode>PXP</CustomerCode> <Site>PXP000000001</Site> <Culture>en</Culture> <Workstation>001</Workstation> <MerchantId>2100112262</MerchantId> <Username>PxpUser1</Username> <Password>PxpPassword</Password> <IpAddress>127.0.0.1</IpAddress> </TransactionConfig> <TransactionAmount currency="GBP">10.00</TransactionAmount <TokenisedCardNumber>9946000000000150185</TokenisedCardNumber> <TransactionReference>TopUp</TransactionReference> <PreAuthTransactionReference>PreAuthorization</PreAuthTransactionReference></TokenTopupRequest>

Section IccTransactionResponse Element describes the elements that are returned in an IccTransactionResponse message. An example of an IccTransactionResponse message for a TokenTopupRequest can be seen below.

<?xml version="1.0" encoding="utf-16"?><IccTransactionResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://servebase.com/2009/06/pedframework"> <Language>en</Language> <ResponseCode>Authorised</ResponseCode> <FaultResponseCode>0</FaultResponseCode> <ResponseMessage>APPROVAL</ResponseMessage> <ReceiptInfo xsi:type="IccReceiptInfo"> <CardNumber>541333******0185</CardNumber> <ExpiryDate year="49" month="12" /> <StartDate year="96" month="12" /> <TransactionAmount currency="GBP">5.00</TransactionAmount> <TransactionReference>TopUp</TransactionReference> <PreAuthTransactionReference>PreAuthorization</PreAuthTransactionReference> <MerchantId>2100112262</MerchantId> <TerminalId>210011226201</TerminalId> <CardScheme code="MSC" creditDebitIndicator="CREDIT">Mastercard</CardScheme> <CaptureMethod>MailOrder</CaptureMethod> <Dcc xsi:nil="true" /> <BelowSignatureLimit>false</BelowSignatureLimit> <BalanceOnCard xsi:nil="true" /> <AuthorizedTransactionAmount currency="GBP">5.00</AuthorizedTransactionAmount> <ApplicationId /> <PanSequenceNumber>00</PanSequenceNumber> <TransactionDateTime>2018-02-14T17:01:04.7682699+00:00</TransactionDateTime> <TransactionType>TopUp</TransactionType> <AuthorisationResponseCode /> <IccAccreditationInfo> <CryptogramTransactionType>00</CryptogramTransactionType> <CryptogramInformationData>00</CryptogramInformationData> <TerminalType>00</TerminalType> </IccAccreditationInfo> </ReceiptInfo> <Token>4c4053c7-b4e1-42d8-b476-051669621205</Token> <TokenisedCardNumber>9946000000000150185</TokenisedCardNumber> <AuthorityCode>032721</AuthorityCode> <AuthorityMethod>Online</AuthorityMethod> <TfsEligible>false</TfsEligible></IccTransactionResponse>
<?xml version="1.0" encoding="utf-16"?><IccTransactionResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://servebase.com/2009/06/pedframework"> <Language>en</Language> <ResponseCode>Declined</ResponseCode> <FaultResponseCode>0</FaultResponseCode> <ResponseMessage>DECLINED</ResponseMessage> <ReceiptInfo xsi:type="IccReceiptInfo"> <CardNumber>541333******0185</CardNumber> <ExpiryDate year="49" month="12" /> <StartDate year="96" month="12" /> <TransactionAmount currency="GBP">5.00</TransactionAmount> <TransactionReference>TopUp</TransactionReference> <PreAuthTransactionReference>PreAuthorization</PreAuthTransactionReference> <MerchantId>2100112262</MerchantId> <TerminalId>210011226201</TerminalId> <CardScheme code="MSC" creditDebitIndicator="CREDIT">Mastercard</CardScheme> <CaptureMethod>MailOrder</CaptureMethod> <Dcc xsi:nil="true" /> <BelowSignatureLimit>false</BelowSignatureLimit> <BalanceOnCard xsi:nil="true" /> <AuthorizedTransactionAmount currency="GBP">5.00</AuthorizedTransactionAmount> <ApplicationId /> <PanSequenceNumber>00</PanSequenceNumber> <TransactionDateTime>2018-02-14T17:01:04.7682699+00:00</TransactionDateTime> <TransactionType>TopUp</TransactionType> <AuthorisationResponseCode /> <IccAccreditationInfo> <CryptogramTransactionType>00</CryptogramTransactionType> <CryptogramInformationData>00</CryptogramInformationData> <TerminalType>00</TerminalType> </IccAccreditationInfo> </ReceiptInfo> <Token>4c4053c7-b4e1-42d8-b476-051669621205</Token> <TokenisedCardNumber>9946000000000150185</TokenisedCardNumber> <AuthorityCode xsi:nil="true" /> <AuthorityMethod>Online</AuthorityMethod> <TfsEligible>false</TfsEligible></IccTransactionResponse>

Updated almost 6 years ago

TopUp Transaction (2024)

FAQs

What is a top up transaction? ›

A top-up transaction increments the original preAuthorization amount and requests authorization of the incremented amount. A merchant may process one or more top-up transactions or none at all.

What is Topup payment? ›

A top up simply means adding money to your account so you have enough balance to cover any upcoming payments.

What is a top up transaction PayPal? ›

In addition to linking a credit card to your PayPal Account to fund your purchase, PayPal Top-up is a feature that allows you to transfer funds from your local bank account to your PayPal account by making a local interbank transfer. You can then use the balance in your PayPal account to pay for online purchases.

What is merchant top up? ›

Merchant Top Up's provides a service that allows users topup their wallet using merchant wallet balance.

What is Topup used for? ›

Mobile top-up recharge essentially entails the process of replenishing your prepaid mobile number's balances or certain services. You may need to recharge your mobile balance to make calls, send text messages, and access mobile data services.

What does it mean to send top up? ›

When you add credit to a pre-paid phone, this is known as a 'Top up'. Topping up a phone will allow continued use of the telco's service until the credit has run out. Airtime top ups sent via WorldRemit are usually instant.

What is the meaning of TopUp? ›

1. to fill to the top. 2. to increase to the highest level, amount, etc.

What is top up in financial terms? ›

In general terms, a top-up refers to adding more money to something, such as topping up your mobile phone credit, or topping up your pension contributions. If you have a stocks and shares ISA, you can also top that up with your annual allowance.

What does top up charge mean? ›

top-up charge means the charge payable by a member for a half hour, calculated by multiplying the applicable top-up price to the member's usage of top-up electricity during the half hour.

Why did PayPal top up my account? ›

When you pay in-store using PayPal with Google Pay, the account will automatically top up if there's not enough money in your PayPal balance. It'll instantly pull a fixed amount of $10.00 USD increments from your linked bank account or debit card.

How do I stop a top up on PayPal? ›

Here's how to turn off automatic top-up from the PayPal website:
  1. On your Dashboard, click the More Options icon next to “PayPal balance.”
  2. Select Automatic top up.
  3. Click Turn off automatic top up.

Can you cancel PayPal top up? ›

Once you authorize a transfer from your bank account to your PayPal account, you can't cancel it. Once the money is in your PayPal Balance or PayPal Business account, you can transfer it back to your bank.

Can a merchant hold your money? ›

A merchant account provider can withhold funds after account termination to ensure it has enough money to cover any potential refunds or chargebacks. In most cases, after 180 days, your provider will return your funds, as this is long enough to reasonably exclude the possibility of future financial losses.

What is an example of a merchant transaction? ›

Merchant-Initiated Transaction Examples

One-off - an unscheduled payment of no fixed duration but for an agreed amount (e.g. to top up credit on a prepaid card) Prepayments - a tenant may authorize their landlord to take early, regular rent payment from their account.

What is a merchant payment transaction? ›

Merchant payments refer to transactions where a customer pays a merchant for goods or services using a payment method such as cash, credit/debit card, digital wallet, or bank transfer. These transactions can occur in-person at a physical store, online through a website or app, or through other channels.

What is the difference between balance transfer and top up? ›

A home loan balance transfer can occur only after 12 successful EMI payments with the previous lender. Top-up loans can be availed at any time during your loan cycle. You can use this feature to further optimize your home loan tenure. It may be a good idea to reduce your tenure with the reduction in your ROI.

What does top up my pay mean? ›

/ˈtɒpʌp/ us. /ˈtɑːp-/ extra money that is added to an amount so that the total is increased: The company has offered a top-up to all those who have paid into their pension scheme for more than 10 years.

What is the meaning of top up purchase? ›

Account Top-Up means any action undertaken to purchase Credit for an Account, including the use of store credit transfers, Top-Up Cards, use of the On-Line Top-Up Service or use of any other top-up service provided by the Service Provider or an authorised third-party.

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