The **cancel or refund a card transfer** endpoint offers a robust solution for returning funds to a cardholder, regardless of the current state of the transfer. When possible, the reversals endpoint cancels the transfer, reversing the authorization and swiftly returning funds. If settlement is in progress or completed, a refund is issued instead.

Moov strongly suggests using the **cancel or refund a card transfer** endpoint over the **create a refund** endpoint.

Read our [reversals](https://docs.moov.io/guides/money-movement/accept-payments/card-acceptance/reversals/) documentation.

[**Cancel or refund a card transfer**\
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POST\
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/accounts/{accountID}/transfers/{transferID}/reversals](https://docs.moov.io/api/money-movement/refunds/cancel/) [**Create a refund**\
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POST\
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/accounts/{accountID}/transfers/{transferID}/refunds](https://docs.moov.io/api/money-movement/refunds/create/) [**List refunds**\
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GET\
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/accounts/{accountID}/transfers/{transferID}/refunds](https://docs.moov.io/api/money-movement/refunds/list/) [**Retrieve refund**\
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GET\
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/accounts/{accountID}/transfers/{transferID}/refunds/{refundID}](https://docs.moov.io/api/money-movement/refunds/get/)