3D Secure

An authentication method used by merchants to validate cardholders. The cardholder authenticates their card against the Issuing Bank’s website. The merchant chooses whether or not to use 3D secure, and this is usually done via an iframe on the merchant’s site. This allows the merchant to shift liability from themselves to the issuing bank in some cases. 3D Secure requires cardholder interaction to be completed.


Automate Clearing House, an electronic network for financial transactions. An alternate payment method that uses the routing and account number for US bank account holders to electronically transfer money to the merchant.

Acquirer (Acquirer Bank)

An acquiring bank is a bank or financial institution that processes credit or debit card payments on behalf of a merchant. The acquirer will either approve or decline a credit card transaction. If approved the acquirer will then settle the transaction by placing the funds into the merchant’s account. The term acquirer indicates that the bank accepts or acquires credit card payments from the card-issuing banks within an association.

Acquirer BIN

This number (typically a 6 digit number) represents the bank identification number within an association. So, if Chase Paymentech is an acquirer, it will have a different bin for Visa than Mastercard. The acquirer bin is used for enabling 3D Secure.


Part of the Rules Engine relating to a PHP class name to be called when certain events trigger a rule and rule conditions match.


How merchants can interact with Rebilly.

API Authentication

How API calls are authenticated.


The API secret or publishable key. A user can have multiple keys. A user can be a member of one or more merchants. And a merchant can have multiple members.


A coupon, once redeemed, will be applied to the customer’s invoice automatically if it fits the coupon’s restrictions.


A result of a transaction that is considered valid and accepted by the Issuing Bank.


A compliance or financial evaluation that takes place once or more per calendar year.

Auth (authorization)

A transaction type used to authorize that a card is valid, and results in a hold placed on the cardholder’s account for the authorized amount. An authorization response code is later used to capture the authorized funds.


Address Verification System. Used in fraud prevention on credit and debit card transaction by verifying a cardholder’s billing address.


The amount a customer owes the merchant. The balance is calculated by adding up all debit invoice items and subtracting credit invoice items (on invoices that aren’t abandoned or voided), and then also subtracting all approved sale/capture transactions, and adding approved refund/void transactions.


The general process of sending payment requests and receiving payments.

Billing Address

The address where the issuing bank mails the cardholder’s monthly statements. Also the address an invoice should be addressed to -- which may be distinguished from the delivery address (the address where products may be delivered to.)

BIN (Issuer Bin)

The first 6 digits of the payment card which typically designate the issuing bank. An issuing bank may have multiple bins.


A cryptocurrency, and a potential alternative payment method.


A stored value that if matched results in aborting an operation. Rebilly has blocklists of customer Ids, emails, ip addresses, bins and payment cards. A blocklist can be not permanent, by setting up a TTL (time to live) as an expiration date.


The stoppage of a customer’s subscription.


The action describing capturing payment card funds that are authorized. An authorization plus a capture is similar to a sale. A capture debits the funds from the cardholder’s account, and on settlement will be moved to the merchant’s account.

Category Code

Merchant category code. A merchant category code (MCC) is a four-digit number assigned to a business by credit card companies (for instance American Express, MasterCard, VISA) when the business first starts accepting one of these cards as a form of payment. The MCC is used to classify the business by the type of goods or services it provides.


A cardholder can dispute a charge with their issuing bank. If the issuing bank accepts the dispute, it becomes a chargeback. A chargeback is sent through the card association to the acquirer, eventually on to the merchant. The merchant has a deadline to respond to the chargeback. Responding is typically called “representment.” A chargeback has a reason code (the reason codes are specific to and predefined by each of the card brands; such as Visa, MasterCard, American Express, etc.)


A bill of exchange where the drawee is the bank. A check, in the US, has a routing number and an account number. It’s written for a specific amount, to a specific payee (or to cash). A check is good for only a single payment.


Hosted forms for merchants for creating a subscription for or collecting payment from a customer. Interaction with the form is by the customer.


Ensures a body (i.e. - Rebilly) is aware and taking steps to comply with issued regulatory laws, rules or specifications set for an industry.

Consecutive Decline

The number of times a payment card was consecutively declined while authorizing an auth or capture transaction.


Coupons allow you to apply different types of discounts to invoices, subscriptions and plans.


In accrual accounting, a credit is the opposite of a debit. A credit is a positive amount added to an account.

Credit Card

Sometimes used erroneously to mean all payment cards, but it is different from a debit card in that a line of credit is extended to the consumers. More specifically, a consumer is not expected to have funds available for a credit card purchase, and transactions within their credit limit are financed with the expectation of future settlement with the issuing bank.


A system of money in common use especially in a nation. For example, US dollar, British pound, etc.


A customer is an entity that is purchasing goods or services from a merchant, and will be the payee in any transaction that is credited to the merchant.

  • customers are associated with payment cards, subscriptions, invoices and other miscellaneous relationship models.

CVV (cvv2/cvc/cvc2)

A code found on and associated to a payment card used for verification purposes.


Doing Business As. A merchant may be doing business under another name.


In accrual accounting, a debit is the opposite of a credit. A debit is an amount that is subtracted from an account.

Debit Card

A payment card associated with a bank account that allows a client to pay for goods and services electronically. A debit card is different from a credit card in at least that the funds are automatically debited from the cardholder’s bank account at time of payment authorization.


A response where the issuing bank declines to approve a payment transaction. A decline can be for various reasons, and it will accompanied with a reason code, such as: insufficient funds, incorrect billing address or cvv, etc.

Delivery Address

The physical address where goods are delivered to a customer. May be the same or different than the billing address.

Direct Debit

A payment system whereby creditors are authorized to debit a customer's bank account directly at regular intervals.

Discount Rate

The percentage of fees that the processor charges the merchant in addition to any other fees the processor may charge the merchant.


A Rebilly term that collectively means chargebacks and retrievals.

Dispute Deadline Time

The deadline that a merchant must submit a representment by for a dispute. If the deadline is missed, the merchant loses the dispute.

Dispute Reason Code

The code used in a chargeback that reflects the reason for the dispute.


Dunning is the process of methodically communicating with customers to ensure the collection of accounts receivable. In Rebilly’s terms and use, it is the process of retrying unsuccessful payment transactions.

Dunning Discount

A discount that a merchant may wish to grant the customer in exchange for debt collection of a due balance.

Dunning Index

The order in which dunning schedules are applied to the dunning process.

Dynamic Currency Conversion

Dynamic currency conversion (DCC) is the feature to present to the customer the choice to be billed in the original transaction currency or the customer’s native currency.

Dynamic Descriptor

A descriptor is the information that appears in a cardholder’s billing statement to clearly identify the source of a credit or debit card transaction. A Dynamic Descriptor is a descriptor that can be modified on a per transaction basis.

Exchange Rate

The rate used in the transferring of one currency to another.

Exchange Time

The time a currency exchange occurred that is used to lock in an exchange rate for the exchange.

Event Types

In the Rules Engine, a rule set that is configured will be executed after a certain event was fired.


Predicting future revenues, cost and other behavior and metrics based on historical data and other factors.


When a customer uses deception to receive financial gain.


A payment gateway is an e-commerce application service provider service that authorizes credit card payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. It is the equivalent of a physical point of sale terminal located in most retail outlets.

Gateway Credentials

The credentials given to a merchant by the merchant’s payment gateway/processor.


Tables of data able to be viewed in the Rebilly app by a user. Grids are customizable as users are able to add and remove columns and edit the column order.

Installment Payments (hire purchase)

The legal term for a contract in which a purchaser agrees to pay for goods in parts or a percentage over a number of months. Other analogous practices are described as closed-end leasing or rent to own.


An invoice is a commercial document issued by a seller (merchant) to a buyer (customer), relating to a sale transaction and indicating the products, quantities, and agreed prices for products or services the seller has provided the buyer. Payment terms are usually stated on the invoice.

  • Invoices are tied to a Customer, Currency and Website
  • Invoices have an issuedTime, dueTime and closedTime (paid).
  • Invoices may also have a voidedTime or abandonedTime (if voided or abandoned).

Invoice Item

Refers to a line on the invoice, which may contain information about the product, quantities, duration and prices.

Issuing Bank

The bank that issued the payment card to the cardholder.

Late Fees

Fees a customer may be charged, in addition to the balance due, if their payment is not received by a specific due date. Some merchants allow a grace period before charging a late fee.


A collection of plans, in a specific order, which a merchant may present to a customer (or prospective customer) on a “pricing” or “plans” page.

Like for like

A phrase that means processing and settling in the same currency.

Live vs Sandbox

Sandbox is an isolated testing environment that allows the testing of configurations and code via the merchant before setting themselves live. A merchant can use the sandbox after going live, as well.


Merchant category code. See Category Code for full definition.


A merchant sells a product to end-users or consumers.


A merchant account identifier.

One-time Charge

An ad hoc amount that a merchant can charge a customer via the Rebilly API. This amount is not expected or scheduled to recur in Rebilly’s system.


Payment account number (also known as the credit card number of debit card number) -- typically 12-16 digits long. The PAN must be protected per PCI Compliance.

Partial Payment

Different from an installment payment, a partial payment represents a customer who has paid any amount less than the balance due. The merchant may be expecting a partial payment, or may not be expecting it.

Past Due

A customer balance greater than 0 that is past the due date of an invoice.


The action or process of paying for goods or services. A payment creates a transaction.

Payment Collection

The process of collecting the balance due from a customer on behalf of a merchant.

Payment Method

The type of payment used to settle a balance due. Some examples are:

  • payment card (credit or debit)
  • check
  • wire
  • ACH
  • direct debit
  • etc.


Both an acquirer and an alternate payment method.

Paysafe Card

An alternate payment method that is a prepaid online payment card.


Stands for Payment Card Industry.

PCI Compliance

PCI (Payment Card Industry) has a set of regulations which Rebilly must comply with.


A template of the key terms describing a subscription. A plan may have optional setup fees, an optional trial period and fees, and an optional recurring fees and frequency. A plan may also expire, or be valid only for a limited number of recurrences.

Prepaid Card

A payment card that has funds loaded to an account prior to it being used, and will work just like a credit card. Some prepaid cards are reloadable, and some are not (those are disposable).


The amounts set up for specific plans that a merchant may offer.

Processing Limits

A cap (limit) of the amount that a processor is willing to process for the merchant for some frequency. In Rebilly, we use the calendar month as the period frequency.


Also used interchangeably with Gateway, means to describe the mechanism that provides communication transport to the Acquirer or Acquirer’s platform.


The product a merchant is selling. A merchant may sell many products. A product may be attached to a plan.

Product Bundle

Some merchants wish to bundle products (in effect making a super-product.)


The process of checking merchant account statements (from merchant’s processor/acquirer) against actual deposits (in corporate bank account) against sales records (in Rebilly.)


The slang term for a recurring payment.

Rebill Number

The number of recurring payments in a subscription excluding trials or setup fees.

Rebilly App

Our merchant-facing web application.

Recurring Amount

The agreed balance that a customer will pay in recurring intervals for a subscription.


To redeem is to attach a coupon to customer.


A refund removes funds from the merchant and transfers them back to a customer. A refund is similar to a void, except a void must happen before settlement of funds.


A customer agreement to continue a subscription for a new period of time.

Report Filters (aka - extended filters)

The ability to filter report data by a variety of fields. The fields may or may not appear on the actual report.


The term used for the merchant’s reply to a chargeback, with the intent to prevent the Acquirer from taking back the funds previously settled.


The amount of funds a processor withholds from a merchant, usually in a specially designated reserve account. The purpose of the reserve is risk mitigation for the processor. The reserve amount may be nothing, a flat amount, or a percentage of transactions. The reserve may also be a rolling reserve, in that the amounts in the reserve are released after some period of time. A typical period of time for a rolling reserve may be six months.


This term represents the response message, typically meant as the reason for a decline, from a gateway. Each gateway has unique response messages. Some gateways may also have response codes.

  • Response Type
  • Approved
  • Declined Soft - means the transaction was declined, but may work at some point in the future.
  • Declined Soft Fix - means with additional data (or data correction) from the customer, a transaction may be retried.
  • Declined Hard - means the transaction is not likely to work, it does not need to be retried. An example is “No such card issuer,” and - “Transaction not allowed,” “Stolen card."


Settings to be applied to a coupon that restricts the coupon's use to a specific set that the user controls.


The continued use or payment of a good or service by a customer.

Retrieval (aka information request)

The process where an issuer requests information about a transaction through the card association to the acquirer, which passes it onwards to the merchant. A retrieval usually precedes a chargeback.


An event with a trigger, which evaluates conditions to allow merchants to customize parts of the application logic to execute configurable actions, which helps them meet their specific goals. Some logic that can be tailored via the rules engine is:

  • processor selection
  • blocklisting
  • payment retries
  • etc.


A transaction type that captures funds from a customer. A sale can be voided prior to settlement, and it can be refunded after settlement. A sale debits a customer account and credits a merchant account.


The plan or configuration to carry out a subscription. Elements include:

  • duration - the length of time a plan is valid till from start.
  • time unit - the unit of time used to define a plan’s interval, such as: day, week, month, bi-monthly, quarterly, semi-annual, annual, etc. number of units - the number of time units that occur between each plan interval
  • repeats on - the day of week, the day of month or the anniversary that an interval repeats on.
  • number of occurrences - how many intervals will be used in a plan. A plan with no end is defined with 0 number of occurrences.

Setup Amount

A fee charged to a customer for setting up a new subscription. Usually a one-time charge.


The state of a model entity, such as pending, active, inactive, etc.


The stopping, possibly due to cancellation, expiration or other reason(s), of a subscription.

Stop Reason

The reason a subscription stopped.


A subscription is an instance of a plan for a specific customer and website combination.

A subscription has some properties:

  • has a plan
  • has a customer
  • has a website
  • has an external Id
  • has a start time
  • it may have an end time, cancelled time, and renewal time.
  • it has a rebillNumber, which increments each time it renews.
  • it has a quantity
  • it has a product
  • it has a billing address, and may have a delivery address

Tailored Pricing

The ability to create unique prices specific to a customer or group of customers for specific products or product bundle. A merchant may wish to charge two customers different prices for the same exact product. This pricing strategy is very common in SaaS models.


A one-time use string that represents a customer’s payment card details. A token expires within 24 hours.


A trial is an attribute of a Plan (model) that indicates that there is a period that has different pricing, with the possible inclusion of being free.


An instance of an action regarding a payment.

  • a transaction has a result (approved, declined, canceled, abandoned or unknown).
  • a transaction has an amount and a currency.
  • a transaction is related to a specific merchant website.
  • a transaction is always related to a customer.
  • a transaction can be related to another transaction, such as a void of a previous sale.
  • a transaction is related to a payment method.
  • a transaction cannot be deleted, and the only property of a transaction that can be updated is the result.

Transaction Types

  • authorize - payment authorization
  • capture - capture of funds from a previous authorization
  • credit - transfer of funds to a customer that may not reference a previous transaction
  • refund - returning of funds from a previous settled transaction
  • sale - similar to an auth and capture
  • void - cancelling of an unsettled capture or an authorization more transaction types may be added with new payment methods


An entity that can be authenticated and granted access to the Rebilly system either via API or app.

User Roles

A defining attribute of a user that determines their level of access and/or privileges in the system.


A transaction type that reverses an authorization or capture/sale transaction. A void can only occur before settlement, otherwise a refund must be used for a merchant to credit a customer.


An HTTP request to a merchant defined url notifying the merchant in a programmatic way of certain events, such as: a new transaction, a new subscription, a new invoice, etc.


Similar to a store, a website is a place that a customer is linked to merchant via a subscription. A website typically determines the processor account and billing descriptor used for payment transactions.


A method of attaching a priority or value to an entity that is being programmatically selected amongst others. Used in processor selection, and plan layout selection. The higher the weight, the more likely it is selected.


An alternate payment method. An electronic transfer of funds. Wire transfers typically transfer money from one bank account to another.