Refunds
A refund is initiated by the Acceptor to return funds to a cardholder for a transaction that has already been settled. Refunds are used to reverse completed transactions where the payment has been cleared and processed through the gateway.
Both full and partial refunds are supported. Multiple partial refunds can be processed against a single original transaction, provided the total refunded amount does not exceed the original transaction amount.
An AcceptorAuthorisationRequest with Transaction.TransactionType set to RFND is used by an Acceptor to request a refund. This message must include a reference to the original settlted transaction using the OriginalTransaction property.
Refunds can only be processed for transactions that have been successfully settled. For transactions that have not yet been cleared, use an AcceptorCancellationAdvice message instead (see CancellationsCancellation documentation).
If the Acceptor does not receive an AcceptorAuthorisationResponse, the Acceptor should retry the request following standard retry procedures.
Should an Acquirer decline a refund request, the Acceptor may need to contact the Acquirer directly or refund the cardholder through alternative means.
Request HTTP Parameters
URL: /v1/caaa/authorisation-request
HTTP verb: POST
Request Message
Use ISO200022 message definition AcceptorAuthorisationRequestV12 (message identifier: caaa.001.001.12).
It is recommended to use the ISO 200022 Dictionary to determine the complete structure of the message: https://www.iso20022.org/standardsrepository/type/AcceptorAuthorisationRequest12
Please note the following additional requirements:
- Property Transaction.TransactionType must be set to value RFND.
- Property SecurityTrailer of type ContentInformationType36 (child of AcceptorAuthorisationRequestV12) is mandatory.
- Property Transaction.OriginalTransaction (child of AcceptorAuthorisationRequestV12) is mandatory.
- Other mandatory properties of OriginalTransaction are: TransactionType, SaleReferenceIdentification, and POIIdentification.
Response Message
If the request could not be successfully processed, an AcceptorRejection message will be returned.
Otherwise, an AcceptorAuthorisationResponseV12 message will be returned to inform the Acceptor of the outcome of the operation.
The AcceptorAuthorisationResponseV12 (message identifier: caaa.002.001.12) will be used.
It is recommended to use the ISO 20022 Dictionary to determine the complete structure of the message: www.iso20022.org/standardsrepository/type/AcceptorAuthorisationResponse12
Please note that a SecurityTrailer of type ContentInformationType36 will always be included with the AcceptorAuthorisationResponse to allow the Acceptor to verify that the response is legitimate.
Examples
The message provided below are formatted for readability. When sending requests to the gateway, the request body should be compacted by removing all non-significant whitespace characters.
Example request
Please be aware that the value in the <RcptTxId> field must be taken from the same field in the response body of the initial transaction for which the attempted refund is being completed for.
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.09">
<AccptrAuthstnReq>
<Hdr>
<MsgFctn>FAUQ</MsgFctn>
<PrtcolVrsn>9.0</PrtcolVrsn>
<XchgId>954900253665113</XchgId>
<CreDtTm>2025-02-04T12:14:03.746Z</CreDtTm>
<InitgPty>
<Id>TEST_RUNNER</Id>
<Tp>OPOI</Tp>
<Issr>ITAG</Issr>
</InitgPty>
<RcptPty>
<Id>shift4</Id>
<Tp>ACQR</Tp>
</RcptPty>
</Hdr>
<AuthstnReq>
<Envt>
<Mrchnt>
<Id>
<Id>EPASMER001</Id>
</Id>
<CmonNm>EPASOrg Merchant 1</CmonNm>
<LctnCtgy>FIXD</LctnCtgy>
<LctnAndCtct>
<PstlAdr>
<TwnNm>Paris</TwnNm>
<CtryCd>FR</CtryCd>
</PstlAdr>
</LctnAndCtct>
</Mrchnt>
<POI>
<Id>
<Id>poi_12345abcde</Id>
<Issr>ACQR</Issr>
</Id>
<SysNm>POI01</SysNm>
<Cpblties>
<CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>MNSG</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
</Cpblties>
<Cmpnt>
<Tp>TERM</Tp>
<Id>
<PrvdrId>miura</PrvdrId>
<Id>M021-TEST01-V3-4</Id>
<SrlNb>21100222</SrlNb>
</Id>
</Cmpnt>
</POI>
<Card>
<PrtctdCardData>
<CnttTp>EVLP</CnttTp>
<EnvlpdData>
<Rcpt>
<KEK>
<KEKId>
<KeyId>sred-key-id</KeyId>
<KeyVrsn>0</KeyVrsn>
<DerivtnId>ijSxBQfa+gAEdw==</DerivtnId>
</KEKId>
<KeyNcrptnAlgo>
<Algo>DKP9</Algo>
</KeyNcrptnAlgo>
</KEK>
</Rcpt>
<NcrptdCntt>
<CnttTp>DATA</CnttTp>
<NcrptdData>kSI1uipr1axvVoLkEeEdBDKU25eQ+KTXZeQd/23aa7o=</NcrptdData>
</NcrptdCntt>
</EnvlpdData>
</PrtctdCardData>
</Card>
<Crdhldr>
<Authntcn>
<AuthntcnMtd>UKNW</AuthntcnMtd>
</Authntcn>
</Crdhldr>
</Envt>
<Cntxt>
<PmtCntxt>
<CardPres>true</CardPres>
<CrdhldrPres>true</CrdhldrPres>
<AttndncCntxt>ATTD</AttndncCntxt>
<TxChanl>MPOS</TxChanl>
<AttndntMsgCpbl>true</AttndntMsgCpbl>
<CardDataNtryMd>ECTL</CardDataNtryMd>
<FllbckInd>NFLB</FllbckInd>
<SpprtdOptn>PART</SpprtdOptn>
<SpprtdOptn>PINQ</SpprtdOptn>
</PmtCntxt>
<SaleCntxt>
<SaleRcncltnId>088957484109</SaleRcncltnId>
</SaleCntxt>
</Cntxt>
<Tx>
<TxCaptr>true</TxCaptr>
<TxTp>RFND</TxTp>
<MrchntCtgyCd>5411</MrchntCtgyCd>
<SaleRefId>refund_71235291SBGW9L6O2R89</SaleRefId>
<TxId>
<TxDtTm>2025-02-04T12:14:03.757Z</TxDtTm>
<TxRef>088957484109</TxRef>
</TxId>
<OrgnlTx>
<SaleRefId>purchase_13487656SPZ35XEYHXSQ</SaleRefId>
<TxId>
<TxDtTm>2025-02-04T11:44:13.224Z</TxDtTm>
<TxRef>132492614212</TxRef>
</TxId>
<POIId>
<Id>21100222</Id>
</POIId>
<RcptTxId>01:XZZ02227b575a91e147OQYL7XUNSNEDB</RcptTxId>
<TxTp>CRDP</TxTp>
<CardDataNtryMd>ECTL</CardDataNtryMd>
<TxRslt>
<RspnToAuthstn>
<Rspn>APPR</Rspn>
</RspnToAuthstn>
<AuthstnCd>414996</AuthstnCd>
</TxRslt>
</OrgnlTx>
<RcncltnId>088957484109</RcncltnId>
<TxDtls>
<Ccy>GBP</Ccy>
<TtlAmt>10.00</TtlAmt>
<ICCRltdData>
ggIZgIQHoAAAAAQQEJUFAAAEgAGaAyUCBJwBIF8qAgl4nwIGAAAAAEAAnwMGAAAAAAAAnwkCAAKfEBIBEIAAACAAAAAAAAAAAAAAAACfGgIAVp8eCDIxMTAwMjIynyYIWh3kDG9/+wKfJwEAnzMDIGAInzQDQgMAnzUBIp82AgAEnzcEk7iE8V80AQE=</ICCRltdData>
</TxDtls>
</Tx>
</AuthstnReq>
<SctyTrlr>
<CnttTp>AUTH</CnttTp>
<AuthntcdData>
<Rcpt>
<KeyIdr>
<KeyId>SpecV1TestKey</KeyId>
<KeyVrsn>1</KeyVrsn>
</KeyIdr>
</Rcpt>
<MACAlgo>
<Algo>CCA3</Algo>
</MACAlgo>
<NcpsltdCntt>
<CnttTp>DATA</CnttTp>
</NcpsltdCntt>
<MAC>vFGH9Ht4Nq9PbxYHDyJ0uw==</MAC>
</AuthntcdData>
</SctyTrlr>
</AccptrAuthstnReq>
</Document>Example response
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns:None="urn:iso:std:iso:20022:tech:xsd:caaa.002.001.12" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.002.001.12">
<AccptrAuthstnRspn>
<Hdr>
<MsgFctn>FAUP</MsgFctn>
<PrtcolVrsn>9.0</PrtcolVrsn>
<XchgId>954900253665113</XchgId>
<CreDtTm>2025-12-15T11:16:39.521Z</CreDtTm>
<InitgPty>
<Id>poi_12345abcde</Id>
<Tp>OPOI</Tp>
<Issr>ACCP</Issr>
</InitgPty>
<RcptPty>
<Id>shift4</Id>
<Tp>ACQR</Tp>
</RcptPty>
</Hdr>
<AuthstnRspn>
<Envt>
<Mrchnt>
<Id>
<Id>mer_123</Id>
</Id>
<CmonNm>EPASOrg Merchant 1</CmonNm>
<LctnCtgy>FIXD</LctnCtgy>
<LctnAndCtct>
<PstlAdr>
<TwnNm>Paris</TwnNm>
<CtryCd>FR</CtryCd>
</PstlAdr>
</LctnAndCtct>
</Mrchnt>
<POI>
<Id>
<Id>poi_12345abcde</Id>
<Issr>ACQR</Issr>
</Id>
<SysNm>POI01</SysNm>
<Cpblties>
<CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>MNSG</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
</Cpblties>
<Cmpnt>
<Tp>TERM</Tp>
<Id>
<PrvdrId>miura</PrvdrId>
<Id>M021-TEST01-V3-4</Id>
<SrlNb>21100222</SrlNb>
</Id>
</Cmpnt>
</POI>
<Card>
<PrtctdCardData>
<CnttTp>EVLP</CnttTp>
<EnvlpdData>
<Rcpt>
<KEK>
<KEKId>
<KeyId>sred-key-id</KeyId>
<KeyVrsn>0</KeyVrsn>
<DerivtnId>ijSxBQfa+gAEdw==</DerivtnId>
</KEKId>
<KeyNcrptnAlgo>
<Algo>DKP9</Algo>
</KeyNcrptnAlgo>
</KEK>
</Rcpt>
<NcrptdCntt>
<CnttTp>DATA</CnttTp>
<NcrptdData>kSI1uipr1axvVoLkEeEdBDKU25eQ+KTXZeQd/23aa7o=</NcrptdData>
</NcrptdCntt>
</EnvlpdData>
</PrtctdCardData>
</Card>
<Crdhldr>
<Authntcn>
<AuthntcnMtd>UKNW</AuthntcnMtd>
</Authntcn>
</Crdhldr>
</Envt>
<Tx>
<SaleRefId>refund_71235291SBGW9L6O2R89</SaleRefId>
<TxId>
<TxDtTm>2025-02-04T12:14:03.757Z</TxDtTm>
<TxRef>088957484109</TxRef>
</TxId>
<RcptTxId>05:XZZ02c783a9b4e87A1B3AX2WSCTA5CQF</RcptTxId>
<RcncltnId>088957484109</RcncltnId>
<TxDtls>
<Ccy>GBP</Ccy>
<TtlAmt>10.00</TtlAmt>
<ReqdAmt>10.00</ReqdAmt>
<AuthrsdAmt>10.00</AuthrsdAmt>
<ICCRltdData>igIwMIkGMDcxNDg2</ICCRltdData>
</TxDtls>
</Tx>
<TxRspn>
<AuthstnRslt>
<AuthstnNtty>
<Tp>ACQR</Tp>
</AuthstnNtty>
<RspnToAuthstn>
<Rspn>APPR</Rspn>
<RspnRsn>Approved or completed successfully</RspnRsn>
</RspnToAuthstn>
<AuthstnCd>071486</AuthstnCd>
<CmpltnReqrd>false</CmpltnReqrd>
</AuthstnRslt>
</TxRspn>
</AuthstnRspn>
<SctyTrlr>
<CnttTp>AUTH</CnttTp>
<AuthntcdData>
<Vrsn>0</Vrsn>
<Rcpt>
<KeyIdr>
<KeyId>SpecV1TestKey</KeyId>
<KeyVrsn>1</KeyVrsn>
</KeyIdr>
</Rcpt>
<MACAlgo>
<Algo>CCA3</Algo>
</MACAlgo>
<NcpsltdCntt>
<CnttTp>DATA</CnttTp>
</NcpsltdCntt>
<MAC>4BZUmx0LT0SEWyfGphYpjw==</MAC>
</AuthntcdData>
</SctyTrlr>
</AccptrAuthstnRspn>
</Document>