Credit

Performs a standalone credit (general credit) returning funds to a customer without referencing an original sale. Only available when the merchant's gateway supports the general credit feature; otherwise returns a 400 error. Prefer refund routes when reversing a known prior transaction.

Use Cases: Goodwill adjustments, manual payouts where an original transaction does not exist.

Restrictions & Considerations:

• Gateway must permit general credits; feature is rarely enabled by default.
• May trigger higher fraud scrutiny; velocity limits can apply.
• Amount must be >= 0.01.
• Inventory adjustments: meta.update_inventory indicates stock changes (often inverted).

Differences vs Refund:

• Refund references a prior sale; credit does not.
• Settlement tokenization is not required for credit.

Security: ApiKeyAuth or EphemeralAuth.

Errors: 400 gateway reject, 422 validation, cancellation by user.

Polling & Receipts: Same as charge.