Manage Payments - Refund

This guide focuses on refunding a transaction to give money back to a cardholder.

Once a transaction is captured and the funds are deducted from the customer’s account, you can refund the full or partial amount back to them without having to obtain their card details again. The payment method associated with the original sale is used to refund the payer.

The main things to know about refunds:

• You can process a refund for any amount up to 115% of the original transaction value.
• In this type of request, you must specify the amount and currency.
  • If the amount is not specified in the refund request, the full amount of the sale will be refunded.
• Refunds can only be processed for a fixed amount of time after the original authorization. Limits differ among acquirers and can range from 6 to 13 months. For more information, contact your account manager.

Before starting the steps in this guide, you must do the following:

• Get registered
• Create an app (generate keys)
• Create an access token

In this step, we refund a transaction to give money back to a cardholder.

Sample request

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"
    }
}

To get a deeper understanding of this function, 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.

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