Wager Mage
Wager Mage
Photo: Юлиана Маринина
A reversal is effectively the same as a void. The difference with a reversal is an additional step of communicating with the card issuing bank to inform them that you wish to release the previously authorized amount. This will prevent you from paying any discount fees for the transaction.
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Read More »As a merchant, you know that refunding a purchase is inevitable. Perhaps your service delivery didn’t go as planned and you want to refund a partial amount as a gesture of good will. While these two types of transactions might seem to be similar, they are not. If you issue the wrong type of refund, it will cost you. Credit card refunds can be caused by many different circumstances. No matter what you call them, there are two primary forms of credit card refunds and chances are you or your employees are not using them correctly. Many merchants and their employees believe that a refund is a refund. Taking a look at what happens behind the scenes, every credit card transaction goes through two stages. In the first stage, a transaction is “authorized” and funds from the customers credit line are reserved for the transaction. At this point, if the cardholder looks at their account online, they will see a “pending” charge. In the second stage, called the settlement, funds have started moving between the card issuing bank and your merchant account. This is when your daily batch is submitted and settled. During the authorization stage you have the opportunity to “void” the transaction. This effectively deletes the transaction as if it never occurred. While a voided transaction is never sent to the issuing bank for payment, the cardholder will still see a pending charge for two to three days when they view their account online. When the issuer sees that the transaction was not submitted or settled, they will release the pending amount back to the cardholder’s credit line. Voiding a transaction prevents you from paying discount rates since no money was ever exchanged. Once a transaction has been settled, voiding the transaction is no longer an option. Once a transaction is settled, you will pay the discount rate for the original transaction. At this point, the only option to give money back is to issue a refund to the cardholder. A refund is the opposite of a sale and funds are routed from the merchant’s bank account back to the cardholder’s card. The main differences in processing a sale and a refund are that devices such as terminals and POS systems don’t request authorization from the card issuing bank to send funds to a cardholder’s account. In some cases, you may be charged an additional discount rate for the returned amount. While this is rare, some Merchant Services Providers charge additional fees for refunds.
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Read More »Companies can pay bonuses whenever they like, but many choose to set March 15 as the deadline for tax reasons.
No, bonuses do not have to be paid by March 15. Companies can pay bonuses whenever they like, but many choose to set March 15 as the deadline for tax reasons. Many companies can deduct bonuses on their tax returns as long as they pay them within two and a half months after the tax year ends. So, if a company wants to deduct bonuses it has paid from its tax year that ended December 31, 2020, it has until March 15, 2021, to pay them and still be able to list them as deductions on their 2020 tax return. Usually, the companies that take advantage of this policy are the ones that calculate their bonus pay budget based on the organization's calendar year performance. This means the company won't know how much they can give their workers in bonuses until it calculates how much it's earned through December 31. Being able to pay those bonuses up until March 15 gives their accountants and managers time to figure out how much each person gets and add it to their paychecks while still giving the company the tax benefits of providing bonus pay.
Sports betting in California is sadly still not legal. However, daily fantasy sports and horse racing sites operate legally in the state.
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If your host's IP address gets blacklisted, any email that you or your company sends will get bounced back by the recipient's email provider if...
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Top Betting Tipsters to Follow in 2022 SafeBettingTips (Telegram) TipMan Tips. Geordie Tipster (Twitter) Andy Robson Tips (Twitter) Mark O'Haire...
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You double down on soft 19 against a dealer's 6 upcard in: a single-deck game. any double- and multi-deck game with H17. Stand against any other...
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