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In Spring 2019 temporarily suspended their Expanded Credit Capabilities (ECC) program due to increased incidents of fraudulent activity. The ECC program enabled merchants to run refunds on transactions that are more than 120 days old. It has since been reactivated, but now merchants must apply for it.

If you are using for your Payment Gateway, you will not be able to refund your customer if the transaction is more than 120 days old by default. However, you can apply for something calls "Expanded Credit Capabilities", or ECC. This also allows you to "credit" the credit card.

In order to "credit" or put funds onto a card, you must enable "Expanded Credit-Return Capabilities" through

Click here for's answer to: What are expanded credit capabilities?

There is no additional charge for this, but you must fill out a one-page application. The reason this is not enabled by default is that they do not want someone to be able to maliciously credit a card. In the application, they ask for the length of time this functionality should be enabled for. You can determine whether you want this functionality enabled for just a limited time period or indefinitely.

Once enabled, you can click on 'New Payment', select 'Credit Card', choose the credit card, and then put in a NEGATIVE number to credit the card with that amount.

You can see if this is enabled for your account by navigating to your Merchant Profile in
Login to your account → ACCOUNT → Merchant Profile
In your Merchant Profile check the status look for "Expanded Credit Capabilities (ECC)" listed under Additional Services.

How to Apply for Expanded Credit Capabilities:

   1. Log into your account.
   2. At the top of the page, click on CONTACT US.
   3. A popup should appear. In the popup click Support Cases. A new windows will be opened.
   4. At the top of the page click SUPPORT CASES and then below choose Apply for ECC.
   5. Choose Agree if you accept the legal agreement to proceed.
   6. Complete and submit the ECC application including why you need it (e.g. you need to run
refunds on transactions that were originally processed more than 120 days ago).
   7. Click Submit at the bottom, and the case is created. Expect to have your account updated within 3 business days.

Once your ECC is approved, you can run the refund transactions on transactions that were
originally run more than 120 days before, and just as before, the full card # and expiration date
will need to be re-entered.

Another option if you don't want to enable Expanded Credit-Return Capabilities would be to mail the customer a check.

Please feel free to reach out to us if you have any questions about this.'s 24/7 phone support: (877) 447-3938
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