For each card transaction, an ARN (Acquirer Reference Number) is generated after a funds movement is accepted by the buyer's bank.
This is a unique reference assigned to the transaction when it is transmitted from the merchant's bank (Acquirer) to the buyer's bank (Issuer).
In the event that a buyer is unable to obtain their refund from their bank, Dalenys will request proof from the issuing bank that the funds were returned to the acquiring bank.