1. Refunding via APEXX 


1.1. Refunding via the APEXX API


Transactions can be refunded through the APEXX API, which means that merchants can build support for refund processing into their own applications. This is the recommended approach. 


1.2. Refunding via the Atomic Portal 


Refunds can be processed through the Atomic Portal - search for the transaction you are looking to refund using the date filters.


 NOTE 

If you need help on how to search for a transaction in the Atomic Portal check our Transactions article here and head to the Individual Transactions section.



Once you have located the transaction you wish to refund, you can either click on the 3 dots at the end of the row and select "Refund", or alternatively, you can click into the transaction itself, then on View Transaction History, and finally select the refund option from there. 







You will then be led to a refund page where you will be able to enter the amount that you wish to refund. You can only refund up to the amount that was captured (i.e. if a transaction was captured for £20, you can refund up to £20, but not above that amount. 


 NOTE 

APEXX supports partial refunds.




2. Important information on refunds


You can only refund a transaction that has been settled with your acquirer. This usually happens the day after a capture has been made. If you try to refund a transactions before it has been settled, the refund will fail and you will see a Failed refund event on the Portal. 


Before the transaction is settled, you would need to cancel the capture if you want to return the funds to your customer. After the transaction is settled, you can proceed with the refund. 


Transactions can usually be refunded within 180 days of settlement - depending on your acquirer and set-up. Even if the original payment card has expired, you will still be able to process refunds to that card.


Under the following circumstances, a refund would need to be carried out as an Original Credit Transaction (OCT) via the Virtual Terminal instead:


  • The timeframe for the refund has been exceeded
  • The amount of the refund exceeds the original settlement amount
  • The original transaction was performed through a different payment services provider


Refund requests are sent as updates to the original purchase (meaning that they would appear in the Transaction History and be tied to the original capture), whereas OCTs are standalone transactions.



Atomic Portal - Transactions https://apexxfintech.freshdesk.com/a/solutions/articles/19000166543

Processing an OCT - How do I process payouts (OCTs)?