Making a refund

This operation makes it possible to re-credit the buyer’s account after a transaction.

The buyer's account is credited with the refunded amount, this same amount is debited from the merchant's account.

The refund is only available on the captured transactions.

The refund can be total or partial.

The merchant is allowed to partially refund many times for the same transaction. The cumulative amount refunded can be up to 300% of the initial transaction amount .

The maximum refund percentage is configured when creating the MID.

On CB network, refund is authorized until the card expiration. Refund is no longer possible after card expiration.

Case of chargebacks: any attempt to refund an unpaid transaction will be rejected.

Case of refund refusal

It is the buyer's bank that objects to the refund request. You must refund your buyer by another payment method (cheque, wire transfer, ...).

For the CB network, we indicate the code and the refusal reason sent by the buyer's bank. If the refund request is made from the Merchant Back Office, a warning message is also displayed to inform that the buyer's financial institution is the cause of this refusal for its own reason.

For example, if the refund request is made on a blocked card, the code and refusal reason will be "59: suspected fraud" for some acquirers. See the List of specific return codes for the CB network for more details.

To refund a CB transaction: