Maestro

What it is

Maestro is a multi-national debit card service owned by Mastercard. Maestro is accepted across Europe and many other countries. However, Maestro online payments are mainly done by Belgian customers.

How it works

Maestro payments are processed as a credit card payment. Therefore, credit card payments must be enabled within your MultiSafepay Control to process a Maestro payment. Submit your request to enable credit cards (Visa, Mastercard and Maestro) to your account manager or contact us at [email protected]

A Maestro payment is always validated with the 3D secure code. 3D secure verification is deemed mandatory by Maestro.

Transaction flow

The transaction flow shows the different ways a transaction can be processed. This differs per payment method.

  • Order status
    The order status indicates the status of the order, such as completed, pending or rejected. The order status is independent of the incoming or outgoing payment of the transaction.

  • Transaction status
    The transaction status indicates the payment status of the transaction, such as completed, pending or rejected. Once the transaction status is completed, the amount of the transaction is added to your MultiSafepay balance.

Maestro (credit card) transactions received by MultiSafepay will be processed through our fraud filter. The following statuses are important when receiving a Maestro payment:

Order Status Transaction Status Description
Initialized Initialized A payment link has been generated, but no payment has been received yet.
Completed Completed A successful Maestro transaction has been received and the funds will be added to your MultiSafepay Control balance.
Uncleared Uncleared Waiting for manual permission of the merchant to approve/disapprove the payment. Read more on accepting uncleared credit card payments, how and why?
Declined Declined Transaction has been rejected. read more on credit card status ‘declined’. What does this mean?
Expired Expired An unfinished transaction will automatically expire after a predefined period.
Void Cancelled Transaction has been cancelled.

Refund flow

Order Status Transaction Status Description
Reserved Reserved A refund has been requested.
Completed Completed Refund has been successfully processed.
Chargeback Completed Forced reversal of funds initiated by customer’s bank (issuer). Only applicable to Direct Debit and credit card payments. Important information on how to proceed when receiving a chargeback

The full API reference for Maestro and credit cards can be found here.

Product rules

Some rules may apply to certain payment methods. For Maestro, the following rules apply:

  • Refunding more than the stated amount of the original transaction is NOT possible for Maestro. More information is available on our refund more than original amount page

  • Maestro transactions have a maximum refund period of 180 days. After this period, it is advised to process the requested refund through a bank transfer

  • The lifetime of a payment link can be adjusted. This might be beneficial for your inventory. The adjustment can be processed through the days or seconds active. Full documentation can be found on our lifetime of a payment link FAQ page

  • Payments done through Maestro are processed in Euros (EUR).

Activate

With MultiSafepay, Maestro is additional (non-standard) payment method. You can submit the application to activate the payment methods through your account manager via [email protected]

To activate Maestro as payment method for your webshop, we would like to receive the following information from you:

  • Average transaction amount
  • Minimum transaction amount
  • Maximum transaction amount
  • Yearly turnover by credit cards.

When approved by our Risk Team, the Maestro will be enabled as payment method in your MultiSafepay Control.

Request refund

The refund of a transaction with the payment method Maestro can be processed from within your MultiSafepay Control.

Please follow these steps:

  1. Select Transactions -> Transaction overview
  2. Find the transaction through search
  3. Open the transaction
  4. Select refund
  5. Fill in the amount that you are going to refund to the customer
  6. Confirm.
  • Refunding more than the stated amount of the original transaction is NOT possible with Maestro. More information is available on our refund more than original amount page

  • The transaction status is now initialized. As long as the transaction status is marked as initialized, the refund can be cancelled. When the transaction status is marked as completed, the refund is processed correctly. The customer will receive the refund to the bank account number in which the transaction was originally paid to, within the next business day.

A refund will be processed the next business day. However, depending an the issuer, it is possible that the amount is not shown directly on the card. If this is the case, we recommend contacting the issuer of your credit card. If an ARN is needed, the support department is able to provide one.

A refund will only be processed if your balance on your MultiSafepay Control is positive.