Glossary

This section provides a description of key terms used in this guide.

Term	Description
Automated Payments Interface (API)	The API is a collection of tools that enables merchants to execute requests to the Skrill Payment Gateway. For example: to send money, make 1-tap payments, make refunds, check the status of transactions, and download reports.
Cardholder Funds Transfer (CFT)	Also called Credit Funds Transfer, is a method of transferring funds. The funds can be up to or more than the original transaction amount. Skrill merchants or customers can arrange a CFT by transferring funds from their digital wallet account to a credit card. There are some restrictions. Currently only a VISA card used for a successful gaming deposit is available for CFT payment. See also Credit.
Credit	Credit can be used by merchants to transfer money to the customer. Also known as Payouts/Payout of Winnings (PoW) and Cardholder Funds Transfer (CFT). More than the original transaction amount can be transferred back to the customer. Mostly common in the gambling industry. Credit is only allowed on a credit card, which has been subject to a charge before.
Customer ID	On the Skrill Payment Platform, a merchant may be configured with multiple customer IDs set up for different channels. (Not to be confused with the customerid field.)
Customer services team	Skrill team responsible for end-customer support queries.
Descriptor	A field descriptor is used in different contexts on the Skrill Payment Platform to enable merchants to pass descriptive information.
Digital Wallet	Provides the electronic equivalent of a physical wallet that can hold several cards and payment methods linked to the wallet. Typically, customers login to their wallet account during an online transaction and authorise the payment using one of the payment methods linked to their wallet account.
HTML POST	Integration method where the merchant sends details to the Skrill Payment Platform using a standard HTML form that posts this information in the HTML header.
Integration	The process undertaken by merchants to ensure their website or shopping cart can connect to and communicate with Skrill's payment processing systems.
ISO country codes	Three-digit country code of the International Standards organisation (ISO) that identifies the country. For example, GBR stands for the United Kingdom. ISO country codes also exist in a two-digit format.
ISO currency codes	Three-digit currency code of the International Standards Organisation (ISO) that identifies the currency. For example, GBP stands for British Pound.
Merchant	Skrill customer (legal or natural person) using their Skrill solution to receive payments for products or services they provide.
Merchant Portal	Online portal used for account administration and transaction management by merchants.
Merchant Services team	Skrill team responsible for providing technical and service support to merchants.
My Account	Merchant account administration portal that enables viewing of transactions and transferring funds.
Payouts/Payout of Winnings (PoW)	Payouts refer to payments made by merchants to customers, typically used in the online gambling industry. Skrill offers a payout product that enables merchants to make automated payments from their digital wallet account to their customers' digital wallet account. This can be used for paying employees or payment of winnings to customers. See also Cardholder Funds Transfer (CFT) which provides an alternative means of making payouts.
Payment	Unique financial record on the system. A payment may consist of multiple Transactions.
Payment processing platform	A system used for processing eCommerce transactions.
POST method	A request method supported by the HTTP protocol, which enables data to be sent to a web server. It is often used when uploading a file or submitting a completed web form. As part of a POST request, data of any type can be sent to the server in a message body. A header field in the POST request usually indicates the message body's Internet media type.
Real-time	An event that occurs instantly or within a short period, such as seconds or minutes. For a real-time transaction, the customer, merchant or Skrill receive a response to the transaction request while the customer is still online.
Skrill Digital Wallet	Skrill's Digital Wallet, enables customers to link cards and pay directly from their wallet account using cards or bank transfer. Up to 4 payment cards and ten bank accounts can be linked to a wallet account.
Skrill Payment Platform	Skrill's system for the processing of eCommerce payments.
Transaction	Each financial interaction with the Skrill Payment Platform is referred to as a transaction. Transactions are linked to payments.
Transaction ID	Unique ID assigned to a transaction by the Skrill Payment Platform.
Transaction status	Each transaction on the Skrill Payment Platform is given a status. This includes processed, pending, temporary, scheduled, cancelled, failed, chargeback, and successful.