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How does adyen offer cashout if this is not allowed by Visa?

Adyen defines cashback and cashout in the following way: https://docs.adyen.com/point-of-sale/cashback-and-cash-out

With their purchase (cashback). Without a purchase (cash out).

The Visa Transaction Acceptance Device Guide says: "A response that the cash back amount is equal to the total transaction amount (this is not allowed)."

So how can adyen support a cash out? In a cashout the cash back amount would be equal to the total transaction. Did I somehow misunderstand the documentation? Or perhaps cashout is allowed but not for visa?

Solution

  • The full quote from https://docs.adyen.com/point-of-sale/cashback-and-cash-out is:

    Shoppers using an EFTPOS (Electronic Funds Transfer at Point Of Sale) card in Australia can obtain a small amount of cash from their account, either:

    • With their purchase (cashback).
    • Without a purchase (cash out).

    So indeed not possible with Visa or Mastercard, only with an EFTPOS card.