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Reverse a Split or Transfer

Move funds back into a merchant’s account after a refund

As a partner, you can reverse a transfer or split to return previously moved funds back to the original merchant’s account. This action is typically required if a customer refund is needed or if the transaction is disputed. If the transaction is still voidable (not yet settled), the reversal cancels the transfer or split.

In this guide, we first prepare to reverse a transfer by identifying the original transfer ID and then make the reverse transfer API call. We also show an example of the optional step of refunding a transaction.

Prerequisites

Before starting the steps in this guide, make sure you:

Get set up in our Sandbox test environment:
- Get registered
- Get Partner-level Sandbox test credentials (contact our support team)
- Create an access token
Have boarded at least two merchants under your partnership
Previously performed a transfer or split

Step 1: Prepare to reverse

The first step is to identify the transfer ID (TRF_id) of the original transfer you want to reverse.

Use GET Transfer List to retrieve the list of transfers.

Sample request

curl --compressed -X GET "https://apis.sandbox.globalpay.com/ucp/transfers" \
-H "Authorization: Bearer G3FA4TuYGCBiCWs4YpzrALGCYXZJ" \
-H "Content-type: application/json" \
-H "X-GP-Version: 2021-03-22" \

Sample response

{
    "total_record_count": 1000,
    "current_page_size": 564,
    "merchant_id": "MER_880c34767b184d5e82b10e767201e648",
    "merchant_name": "Curtis_Douglas49",
    "account_id": "FMA_bde109d70fb24d78b25fd364317dd9dc",
    "account_name": "718556837_989567",
    "filter": {
        "from_time_created": "2022-05-01",
        "to_time_created": "2023-05-01"
    },
    "paging": {
        "page_size": 5,
        "page": 1,
        "order": "ASC",
        "order_by": "TIME_CREATED"
    },
    "transfers": [
        {
            "id": "TRF_U3bZFd2jL98L0XacplaUvPSSDhFI2J",
            "time_created": "2023-03-10T13:14:48.386Z",
            "time_last_updated": "2023-03-10T13:14:48.386Z",
            "type": "DEBIT",
            "status": "SUCCESS",
            "amount": "10000",
            "usable_balance_mode": "AVAILABLE_BALANCE",
            "merchant_id": "MER_880c34767b184d5e82b10e767201e648",
            "merchant_name": "Curtis_Douglas49",
            "account-_id": "FMA_bde109d70fb24d78b25fd364317dd9dc",
            "account_name": "718556837_989567",
            "recipient_merchant_id": "MER_880c34767b184d5e82b10e767201e648",
            "recipient_merchant_name": "Curtis_Douglas49",
            "recipient_account_name": "718556837_989567",
            "recipient_account_id": "FMA_b29c209e25db47ea8d9ef9f24ef29254",
            "reference": "1234",
            "description": "Transfer 1",
            "provider": {
                "result": "0",
                "message": "SUCCESS"
            }
        }
    ],
    "action_create_id": "ACT_uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
    "parent_resource": "TRANSACTION",
    "parent_resource_id": "TRN_nG0HCR8sMTDnZCcbemvdqdnKnrhODk",
    "action": {
        "id": "ACT_uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
        "type": "TRANSFER",
        "time_created": "2021-05-03T21:23:39.718Z",
        "result_code": "SUCCESS",
        "app_id": "uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
        "app_name": "my_lovely_app"
    }
}

Step 2: Make a reverse transfer API call

After retrieving the list of transfers, identify the specific transfer you want to reverse using its TRF_ID.

Optionally, you can use [GET] Single Transfer to view detailed information about the transfer before proceeding.

Once confirmed, use the TRF_ID to initiate a reverse transfer by making the below API call.

Sample request

For complete details on API requests and responses, see [POST] Reverse Transfer in the API Explorer.

  curl --location --request POST 'https://apis.sandbox.globalpay.com/ucp/merchants/MER_92d89d7df14848ca8c9ede1453e550e3/transfers/TRF_BP27fWnD7Re6bNoLGtgIPYFwCa7D4c/reversal' \
--header 'X-GP-Version: 2021-03-22' \
--header 'Authorization: Bearer GkqhfOHHRhANJZeLAN4IJjEcLPtB' \
--header 'Content-Type: application/json' \
--header 'Cookie: ASP.NET_SessionId=yn0vbwhigf3erubsp5lo3yym; TS01f3e1f1=0173fd6cff3290823a8c012057704d8487f58a0689c0459455932102390c77908ac9d247fa3acc57f0f41cc7716638e49542a4deecec80aa7fdb8c63104f234a649208475a769929788b2fa5a091e75a9dd8299b5f; sessionValidation=420d28d4-b377-40f0-b5a2-e9225abcb8a2' \
--data-raw '{
    "amount":"50"
}’

Sample response

    {
    "id": "TRF_2buSaZdLb2qNfJnvmxPlkNmpb8mSvH",
    "time_created": "2023-03-30T22:28:21.880Z",
    "status": "FUNDED",
    "country": "US",
    "currency": "USD",
    "type": "REVERSAL",
    "amount": "1",
    "merchant_id": "MER_92d89d7df14848ca8c9ede1453e550e3",
    "account_id": "FMA_3027159beee847d89a963125c1efc356",
    "merchant_name": "Domenick7",
    "account_name": "718577156_991877",
    "reference": "merchant identifier",
    "payment_method": {
        "result": "00",
        "message": "SUCCESS"
    },
    "action": {
        "id": "ACT_2buSaZdLb2qNfJnvmxPlkNmpb8mSvH",
        "type": "REVERSE",
        "time_created": "2023-03-30T22:28:21.880Z",
        "result_code": "SUCCESS",
        "app_id": "U1lRHKomEn7DN907RCDPxVhyMfiMLcfy",
        "app_name": "demo_app"
    }
}

Step 3: Refund a transaction (optional)

Reversing a transfer or a split does not issue a refund back to the customer. Instead, it just sends the transferred amount back to the Funds Management Account (FMA) that sent the funds. In many cases, particularly when reversing a split transaction, you may want to initiate a transaction refund back to the customer (this may differ based on your specific use case).

Sample request

Here, we initiate a refund.

Sample response

{
    "id": "TRN_uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
    "time_created": "2026-05-03T21:23:39.718Z",
    "type": "SALE",
    "status": "CAPTURED",
    "amount": "11099",
    "currency": "USD",
    "country": "US",
    "reference": "becf9f3e-4d33-459c-8ed2-0c4affc9555e",
    "batch_id": "BAT_234234234",
    "payment_method": {
        "result": "string",
        "message": "string",
        "card": {
            "authcode": "string",
            "brand_reference": "string"
        }
    },
    "action": {
        "id": "ACT_uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
        "type": "ADJUST",
        "time_created": "2026-05-03T21:23:39.718Z",
        "result_code": "SUCCESS",
        "app_id": "uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
        "app_name": "my_lovely_app"
    }
}

Integration references

To get a deeper understanding of money movement, we recommend that you use our provided integration references for both API and SDK integrations. For the full detailed API specification, see the API Explorer.

/transactions - API Explorer

See the full API specification for creating a sale or refund.

/transfers - API Explorer

See the full API specification for transferring funds.

SDKs & Libraries

Add server-side or client-side code to your integration.

Testing

This solution is available for testing in our free Sandbox environment for registered users of this developer portal. Use our resources below to start testing different scenarios.

Test Cards

Test different transaction outcomes with simulated cards or banks.

Postman Collection

View, import, or fork our API collection in Postman.

Responses

View successful responses, HTTP status codes, action response data, and errors.

Next steps

Below are recommended next steps for your partners integration.

Initiate a Deposit to Fund Your Merchants

Credit or debit a merchant’s bank account from an ACH deposit.

Transfer Funds

Manage the transfers of funds between merchants.

Retrieve Merchant and Account Reports

Use account data to better support your merchants.

Policies

Connect

Additional Resources

Reverse a Split or Transfer

Prerequisites

Step 1: Prepare to reverse

Sample request

Sample response

Step 2: Make a reverse transfer API call

Sample request

Sample response

Step 3: Refund a transaction (optional)

Sample request

Sample response

Integration references

/transactions - API Explorer

/transfers - API Explorer

SDKs & Libraries

Testing

Test Cards

Postman Collection

Responses

Next steps

Initiate a Deposit to Fund Your Merchants

Transfer Funds

Retrieve Merchant and Account Reports