Refund

Refund must be used to return the captured payment back to cardholder’s account upon

• Cardholder returning the purchased product(s) (or)

• Cardholder cancelling the order (or)

• Merchant couldn't deliver the goods/services as promised at the time of sale.

It is possible to make a refund in two ways

• Referenced refund

• Standalone refund

Referenced refund

Referenced refund can be used to return the captured payment by referring the underlying payment. This would return the captured payment back to the cardholder's account that was used for the purchase, also nullifies the possibilities of refund being made to incorrect card.

Similar to capture, referenced refund could be done as

• Full refund - Returning the entire captured payment.

• Partial refund - Returning a part of captured payment.

It is possible to capture the entire captured payment with single or multiple refund capture requests.

Make a referenced refund

Submit a refund payment request using the paymentId of the payment. To refund a part of the captured payment, use the amount object to specify the amount that you want to refund. Skipping the amount object in your request will result in refund of entire captured amount. Set captureImmediately to "true" for immediate capture of refund without a need for follow up capture refund request from your end.

Example referenced refund request

Below given example request (POST /processing/v1/100812/520002526/payments/ pay:ch:etu:RU0BwotXS1GTZiCbCHUqFg /refunds) will refund an amount of 5 EUR out of total captured amount of 20 EUR.

{
    "operationId": "004b90e9-7f78-4380-a551-68a8737c589b",
    "transactionTimestamp": "2024-10-18T09:08:50.876Z",
    "captureImmediately": true,
    "amount": {
        "amount": 500,
        "currencyCode": "EUR",
        "numberOfDecimals": 2
    },
    "references": {
        "merchantReference": "Your-Order-f92cc74f-e4a5-4e9f-9a06-e718f449410a"
    }
}

Example referenced refund response

{
    "operationId": "004b90e9-7f78-4380-a551-68a8737c589b",
    "responseCode": "0",
    "responseCodeDescription": "Accepted or completed successfully",
    "responseCodeCategory": "APPROVED",
    "responder": "WORLDLINE",
    "refund": {
        "refundId": "pay:ch:etu:2mi8nj8pTY-fBgYPJnCvRw",
        "status": "CONFIRMED"
    }
}

Please note that a card issuer may reject a refund authorization request for valid reason(s) and the API response will reflect the rejection. In such situations, you must be able to rectify the issue before re-attempting or look for alternatives to get the refund processed. Refer to response handling to know more about response properties.