Refunds
Saferpay does not check the amount you are submitting, against the initial transaction, per default.
Requirements
a valid login access with a username and password for the Saferpay Backoffice.
one active Saferpay ecommerce terminal
Saferpay terminal number (TerminalId parameter) and Saferpay customer number (CustomerId parameter).
valid acceptance agreement for credit cards or other payment methods
Due to legal requirements, each non-referenced refund must be manually checked and approved by your acquirer, even if they appear successful.
This increases the rejection-risk and also the amount of manual labor, that later has to be done by the merchant, due to the successful refund being reverted.
Method 1: Referenced refunds
Capture response
By passing this ID through to Saferpay, the refund will be linked to the original transaction inside the Saferpay Backoffice:
By clicking on the transaction ID you'll be redirected to the original transaction:
Preventing refunds from exceeding the originally captured amount
If necessary, you can prevent Saferpay from exceeding the originally captured amount. This can prevent multiple refunds and other mishaps, that can cause you to refund more money, than originally charged.
In order to do so, you have to set the Refund.RestrictRefundAmountToCapturedAmount to true.
However, please note the following restrictions:
This only works for API SpecVersions 1.25+ !
Let's say, that you have a transaction over 100,- and use Partial Captures to capture 50.- , 20.- and 30.-. You can refund these individual parts and Saferpay will make sure, that the amount of these parts will not be exceeded, even if multiple refunds are executed. This means, that you have to refund each individual part, with this option enabled, in order to refund the whole transaction, as Saferpay will not allow you to refund 100.- on just one part (as it is possible without this option enabled). Likewise, if you want to refund 75.- , you first must refund the 50.- and then 25.- of the 30.- or the 20.- and the remaining 5.- from the 30.-. Of course, you can ignore this detail, if you execute a normal capture or just one Partial Capture over the whole transaction amount.
Try it out
You can try it out, by first doing a complete (including the Capture!) transaction, by using the PaymentPage, or Transaction Interface. The refund-option will be displayed, after the Capture has been executed!
Method 2: Refunds using an alias
Due to the fact, that the original transaction ID is not submitted, like with referenced refunds, the refund will not be linked to the original transaction inside the Saferpay Backoffice!
Try it out!
You can try it out, by first doing a complete (including the Capture!) transaction, by using the PaymentPage, Transaction Interface, or the Secure Alias Store. The refund-option will be displayed, after the Capture has been executed!
Capture
The actual transfer of money will not be executed if the refund hasn't been captured!
Difference, between Cancel and Refund
At first glance, a cancel and a refund may be very similar and while they come into action in similar situations, they do different things and apply in slightly different circumstances. It is important to know these differences, so you apply both of them in the right situation.
Additional information
Refunds are basically normal transactions where instead of debiting the cardholders account, you are crediting it. That means, that refunds go through the same authorization-steps as a normal (debit) authorization. Please keep in mind that a refund can also be rejected, though this is very rare.
Similar to normal transactions, it is possible to submit the parameter "OrderId" inside the "Refund" container. This ID will be forwarded by Saferpay and will show up inside the Saferpay Backoffice (as the Reference number) as well as in your reconciliation-files. This will help you, keeping track of your refunds.
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