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Refund

A refund transaction always refers to a previously processed payment. For this reason, a payment must exist and be successfully processed before a refund can be initiated.

The business partner can initiate a refund request on behalf of the customer. Upon successful processing, we credits the refunded amount to the customer’s account.

Refunds can be initiated up to 45 days after the original payment was made.

Refund Flow

Refund Prerequisites​

The prerequisites for implementing refunds are the same as for the standard payment integration, with the following additional requirements:

  • The business partner must have the merchant refund REST API functions implemented in their website and/or back‑end system.
  • The business partner must be fully integrated, and refund functionality must be enabled on our side.
  • A refund transaction always refers to a previously processed payment.
    Therefore, a refund can only be initiated if the original payment has been successfully completed.

Validation and Refund Process​

Before initiating a refund, the business partner must pre‑validate the refund request to verify whether it is likely to succeed.
There are several conditions under which a refund may be refused, and this validation step helps avoid failed refund attempts.

The validation is performed by submitting a refund request with: capture=false

If the validation is successful, the business partner can proceed with initiating the actual refund.

Upon successful refund processing, we credits the refunded amount to the customer’s account.

Refund Flow

Pending Refunds​

Additionally, refunds can now be initiated to an email address that does not yet have an associated account. In this scenario, the refund request is created in a PENDING state and remains in this state for up to 14 days.

To support this flow, an email is sent to the provided email address inviting the recipient to create an account in order to receive the funds.

If an account is created with the specified email address within those 14 days, the refund is automatically processed and the funds are loaded onto the newly created account.

If no account is created within 14 days, the refund request expires and no funds are transferred.

In both cases—when the refund is initially created and when the refund is processed (or expires)—the business partner is notified via the notification URL provided in the refund request.

To support Pending Refunds, following additional parameters must be included in the refund request: language, country_code and notification_url.

example request

{
  "type": "PAYSAFECARD",
  "amount": 10.00,
  "currency": "EUR",
  "customer": {
    "id": "pending_refund_customer_001",
    "email": "pending_refund@test.com"
  },
  "capture": false,
  "language" : "DE",
  "country_code" : "AT",
  "notification_url" : "https://pendingrefundnotification.com"
}

Settlement​

All successfull refunds will be deducted from the payments (netting) on the montly invoice that we send to our business partners.