Online Refund Flow

Refund 360 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 PSP, 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 Refund 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. Note refund will be only possible to transactions which have been done in last 180 days.

Offline Refund Flow

Refund 360 API can be used for initiating offline refund or getting the status of an existing offline refund. If the "merchantRequestId" parameter is present with the PSP, then the latest status of the existing offline refund will be returned. If not present, then a new offline refund will be triggered. All offline refund request will be queued till 8am & then go through NPCI offline process by 2pm & Refund Callback with terminal status will be triggered by 10pm. Until this callback, status will be given as PENDING.

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. Note refund will be only possible to transactions which have been done in last 180 days.