EFT


 * EFT - __Electronic Funds Transfer__ - Adam and Emma**

Transaction types A number of transaction types may be performed, including the following:
 * //Sale//: where the cardholder pays for goods or service
 * //Refund//: where a merchant refunds an earlier payment made by a cardholder
 * //Withdrawal//: the cardholder withdraws funds from their account, e.g. from an ATM. The term //Cash Advance// may also be used, typically when the funds are advanced by a merchant rather than at an ATM
 * //Deposit//: where a cardholder deposits funds to their own account (typically at an ATM)
 * //Cashback//: where a cardholder withdraws funds from their own account at the same time as making a purchase
 * //Inter-account transfer//: transferring funds between linked accounts belonging to the same cardholder
 * //Payment//: transferring funds to a third party account
 * //Enquiry//: a transaction without financial impact, for instance balance enquiry, available funds enquiry, linked accounts enquiry, or request for a statement of recent transactions on the account
 * //E top-up//: where a cardholder can use a device (typically POS or ATM) to add funds (top-up) their pre-pay mobile phone
 * //Mini-statement//: where a cardholder uses a device (typically an ATM) to obtain details of recent transactions on their account
 * //Administrative//: this covers a variety of non-financial transactions including PIN change

[] - Transaction types

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