---
title: Refunds
slug: refunds
docTags: 
createdAt: 2025-12-12T12:58:08.280Z
---

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 [Cancellations](docId\:fYLz_zmbgTkHwaGmLciP6)).

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](https://www.iso20022.org/standardsrepository/type/AcceptorAuthorisationRequest12)](https://www.iso20022.org/standardsrepository/type/AcceptorAuthorisationResponse12)

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](http://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
<?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
<?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>
```