How to track transactions with an ARN number?

Both issuers and acquirers have access to the ARN and can directly track the payment or refund; the merchant can retrieve that data from the bank and even share it with the customer. The cardholder can reach out to the merchant or the issuing bank to trace transactions through the ARN.

What does the ARN number mean?

An ARN, or âAcquirer Reference Number,â is a unique 23-digit number attached to all credit debit card transactions. It is sometimes called a âtrace ID,â as it is used to track details throughout the transaction process.

Why are reference numbers used when making payments?

Unique reference numbers make it easier for banks, merchants, and consumers to track transactions and know exactly what the transaction entailed, who was involved, and the current status.

Can I check transaction status with a reference number?

Yes. Contact your bank for specific details.

What are the benefits of ARN?

ARNs make the overall transaction process more efficient, plus help decrease the amount of fraud a merchant experiences. It also enables faster dispute resolution and contributes to an overall better customer experience.

Author

Georg Turner

Georg Turner has been writing about fintech for nearly a decade and currently serves as Senior Copywriter at Chargebacks911. His ADDY-award winning experience includes creating ads, blogs, scripts, and more for a diverse client list ranging from AdventHealth and Subaru to DuPont Chemicals and Guild Guitars. A former college professor, he now uses his skills to help merchants understand the weird world of chargebacks.