使用 Authorize.NET 计算信用卡处理 (ARB) 的存款日期？
我们的应用程序使用 Authorize.NET 处理信用卡处理和 ARB。对于我们的 QB 集成，我们需要根据交易处理日期计算银行存款日期。
我了解商家账户的运作方式，并且商家账户提供商实际上是决定何时存入资金的人。但我假设有一些一般规则在 90% 的情况下都有效，例如：存款仅在工作日和交易处理日期后的一个工作日进行。
还必须考虑哪些其他一般规则以及其他规则如何实施？
另外，ARB 交易的存款处理方式是否有所不同？
谢谢。
Our app handles credit card processing and ARB using Authorize.NET. For our QB Integration, we need to calculate the bank deposit date, based on the transaction processed date.
I understand how merchant accounts work, and that the Merchant Account providers is actually the one that determines when to deposit funds. But I assume that there are some general rules that will work 90% of the time, such as: deposit is only on business days and one business day after the transaction processed date.
What other general rules have to be taken into account and how have other implemented this?
Also, are deposits for ARB transactions handled differently?
Thanks.
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您需要联系您的商家帐户提供商以了解确切的存款时间，但以下内容应适用于大多数商家帐户（可能有所不同的原因是某些商家帐户银行与消费者银行有直接关系，因此可以进行存款只需一个工作日）。 Visa 和 MasterCard 自交易之日起需要两个工作日才能存入您的支票账户。美国运通卡和 Discover 卡最多需要三天。
ARB 存款的处理方式与任何其他交易相同，没有任何不同。它们只是自动化而已。他们仍然必须经历与任何其他交易相同的授权和捕获流程。
You need to contact your merchant account provider to find out the exact deposit times but the following should apply to most merchant accounts (the reason it may be different is some merchant account banks have direct relationships with consumer banks and as a result deposits can be made in as little as one business day). Visa and MasterCard take two business days from the date of the transaction to be deposited into your checking account. American Express and Discover Card take up to three days.
Deposits for ARB are handled the same as any other transaction as they are not any different. They're just automated is all. They still have to go through the same authorization and capture process as any other transaction.