Refunds Flows

Merchants can Initiate Refunds through Offline and Online modes.

To initiate an Offline Refund, the Merchant Server sends a Refund request to the PSP. The request will the go through an NPCI offline process.

Offline Refunds have an ETA of 2 - 3 days to settle the refund amount with customers. PSP validates the Refund amount, Transaction amount and Transaction status before accepting the Refund and sending a response back to the Merchant.

This API will be used for initiating a new instant refund or getting the status of an existing instant refund. If the "merchantRequestId" parameter is present with the TSP, then the latest status of the existing online refund will be returned. If not present, then a new instant refund will be triggered. In this case, the merchant account is debited and the customer account is credited through the UPI.

If a SUCCESS/FAILURE response is not received within 60 seconds(API timeout) of the request, a callback (or multiple callbacks at intervals) are sent to the Merchant for the same event type with transaction status. Terminal states for a transaction are SUCCESS and FAILURE

The PSP validates the Refund amount, Transaction amount and Transaction status before accepting the Refund and sending a final response back to the Merchant.