In push-to-card networks, what is a key step for processing 'requests for returns'?

In push-to-card networks, processing 'requests for returns' primarily occurs during the initiation stage. This stage is crucial because it is where the originating party formally initiates the return request after recognizing the need for a transaction reversal.

During this phase, the details of the return are captured and communicated effectively between the involved parties, ensuring that all necessary information about the original transaction is included. This might involve the cardholder or the merchant submitting specific data to trigger the return process.

Each subsequent stage in the return process becomes dependent on the initiation stage being performed correctly, including verification of the return request and finalization of the return process. Therefore, recognizing the initiation stage as the starting point for processing returns is key to understanding the workflow within push-to-card networks.