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Acquirer Reference Number (ARN)
The Acquirer Reference number (ARN) is a unique identifier assigned to a credit card transaction when it is processed by the acquiring bank. This number helps track and identify transactions as they move through the payment system, providing a way to trace a payment from the merchant’s bank (acquirer) through to the cardholder’s bank (issuer).
The Acquirer Reference Number is crucial for resolving disputes and chargebacks. When a transaction is contested or contested, the ARN allows for precise tracking and verification of the transaction details, ensuring transparency and accountability.
This identifier is essential for compliance with industry regulations and helps businesses manage and resolve payment issues efficiently.