Skip to main content

Withdrawal Feature – Overview

The withdrawal feature allows customers to withdraw funds based on the original payment method used for deposit. The system applies different processing logic for Card payments and Alternative Payment Methods (APMs) to ensure correct settlement, compliance, and balance tracking.

Card-Based Withdrawal Flow​

1. Deposit & Balance Allocation​

  • When a customer deposits funds using a card payment method, the system records the deposit and allocates the balance based on:
    • PSP (Payment Service Provider)
    • Card scheme
    • Currency
  • Each deposit contributes to both:
    • Available Balance
    • Refund Balance (eligible for card refunds)

2. Withdrawal Request​

  • When a withdrawal request is initiated, the system performs the following checks:
    • Total Available Balance
    • Available Refund Balance linked to the original card, PSP, and currency

3. Refund Priority Handling​

  • If a refund balance is available:
    • The system first attempts to process a refund using the same card, PSP, and currency as the original deposit.
    • This ensures scheme compliance and reduces payout costs.
  • If the withdrawal amount exceeds the available refund balance:
    • The remaining amount is processed via payout methods (e.g., bank transfer, e-wallet payout).
  • The main available balance is reduced accordingly after successful processing.

APM-Based Withdrawal Flow​

1. Deposit Handling​

  • Deposits made via Alternative Payment Methods (APMs) are added directly to the available balance.

2. Withdrawal Processing​

  • All withdrawal requests for APM deposits are processed only through payout methods.
  • No refund balance logic is applied for APMs.

3. Balance Update​

  • Upon successful payout, the system reduces the available balance by the withdrawn amount.

Key Rules Summary​

  • Card withdrawals prioritize refunds before payouts.
  • Refunds must use the same card, PSP, and currency.
  • APM withdrawals are handled exclusively via payout.
  • Balances are tracked and reduced only after successful transactions.