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Refund

Refunds are payment refunds from a merchant to the cardholder after a cardholder pays for a product or service and that payment is captured by the merchant. When a refund request is successful, the issuer transfers funds from the merchant bank (acquirer) account to the customer's account. It typically takes 2 to 4 days for the acquirer to transfer funds from your merchant account.
There are two types of refunds: a
follow-on refund
that is linked to an original capture or sale, and a
stand-alone credit
that is not linked to an original capture or sale.
WARNING
You should carefully control access to your
refund and
credit services. Do not request this service directly from your customer interface. Instead, incorporate this service as part of your customer service process. This process reduces the potential for fraudulent transactions.

Follow-on Refund

Refunds, also known as
follow-on refunds
,
use the capture request ID to link the refund to the original transaction.
This request ID is returned during the capture request (also known as a
settlement
) and is used in all subsequent refunds associated with the original capture.
The request ID links the transaction to the customer’s billing and account information, so you are not required to include those fields in the
refund
request.
When you combine a request for a
refund
with a request for another service, such as the tax calculation service, you must provide the customer’s billing and account information.
Unless otherwise specified,
refunds
must be requested within 180 days of a settlement. You can request multiple follow-on
refunds
against a single capture or sale transaction as long as the total amount does not exceed the original purchase amount. To perform multiple follow-on
refunds
, use the same request ID in each request.

Stand-Alone Credits

Stand-alone credits are not connected to an original transaction. Stand-alone credits do not have a time restriction, and they can be used to issue refunds more than 180 days after a transaction settlement.