Refund a payment

Return all or part of a captured XPay payment from the merchant backend and reconcile the refund with the original PaymentIntent and merchant order.

Before you begin#

You need the captured PaymentIntent ID, the amount to refund, a merchant reference for reconciliation, and valid XPay API authentication.

Create the refund#

Send an authenticated request to:

POST {{base_url}}/public/v1/refund

Confirm refund amount units, full and partial refund rules, and the complete response schema in the Create a refund API.

Reconcile the refund#

1. Store the refund identifier returned by XPay.
2. Associate it with the original PaymentIntent and merchant order.
3. Record the requested amount and reason.
4. Process any related verified webhook notification.
5. Update the merchant's customer-facing refund state only from accepted XPay results.

⚠️ A refund moves money from a captured payment back to the customer. Verify the PaymentIntent, amount, and merchant order before sending the request.

Next steps#

• Use API responses and errors when the request fails.
• Use the Create a refund API for the canonical request fields and response.