SNJ provides a return resolution process to merchants wishing to move to a more consumer friendly process for allowing consumers the ability to re-schedule payment for any item returned uses the SNJ process. The SNJ system automatically sends an email and/or text sms message to the consumer providing them with a special authorization link to schedule a new transaction using either the same bank information, a new account or debit card. The consumer selects the date they wish the payment to occur. They are provided with confirmation and full authorization details. This process has proven to be effective for merchants wishing to maintain a consumer friendly approach to handling returned transactions. Merchants keep more customers by providing them with a non-intrusive way to provide payment.