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Processing Refunds

A refund is a separate transaction that returns funds to the cardholder after the original transaction has been processed. Unlike voids, refunds can be processed after batch cutover and can be for partial amounts.

Refund Eligibility​

The cardNotPresentRefundableStatus field in the Transaction Webhook indicates whether a card-not-present refund can be processed:

  • refundable: The card can be refunded without the physical card present.
  • not_refundable: The card issuer likely does not support card-not-present refunds.
  • unknown: Status cannot be determined (tokenized cards or insufficient information).

Refund Rules​

  • Refunds are allowed up to 180 days after the original transaction.
  • Multiple refunds can be processed against a single transaction.
  • The total refunded amount cannot exceed the original transaction amount.
  • Once a refund is approved, the transaction can no longer be voided.

Checking Refund Balance​

Before processing a refund, you can check the available refund balance using the Check Refund Balance API. This endpoint returns:

  • The original transaction amount.
  • Total amount already refunded.
  • Remaining refundable balance.
  • History of all refunds processed against the transaction.

Processing a Refund​

To process a refund, use the Card Not Present Refund API with the original transaction ID.

note

While you can attempt a refund regardless of the cardNotPresentRefundableStatus, transactions marked as not_refundable are likely to be declined by the card issuer.