> ## Documentation Index
> Fetch the complete documentation index at: https://docs-openpay.nipuntheekshana.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Refunds Overview

> Merchant-initiated refund system for completed payments

# Refund API

The Refund API allows merchants to issue refunds for completed payments. When a refund is created, the amount is debited from the merchant's available balance. If the refund is rejected, the amount is credited back.

## Refund Lifecycle

```
PENDING → APPROVED → COMPLETED
    ↓
  REJECTED (balance credited back)
```

## Endpoints

| Method | Path                       | Description              |
| ------ | -------------------------- | ------------------------ |
| `POST` | `/v1/refunds`              | Request a refund         |
| `GET`  | `/v1/refunds`              | List merchant refunds    |
| `GET`  | `/v1/refunds/{id}`         | Get refund details       |
| `POST` | `/v1/refunds/{id}/approve` | Approve a pending refund |
| `POST` | `/v1/refunds/{id}/reject`  | Reject a pending refund  |

## Creating a Refund

```json theme={null}
POST /v1/refunds
{
  "paymentId": "uuid-of-original-payment",
  "paymentNo": "PAY-xxxx",
  "amountUsdt": "25.00",
  "reason": "Customer requested refund - duplicate charge"
}
```

## Important Notes

* Refund amount is immediately debited from merchant's available balance
* Rejected refunds automatically credit the amount back to the merchant
* Approved refunds auto-complete (crypto refunds are processed instantly)
* Partial refunds are supported (amount can be less than original payment)
* Merchants must have sufficient available balance to create a refund