# Create a refund

Initiate a refund for a card transfer.

**Use the [Cancel or refund a card transfer](https://docs.moov.io/api/money-movement/refunds/cancel/) endpoint for more comprehensive cancel and refund options.**

See the [reversals](https://docs.moov.io/guides/money-movement/accept-payments/card-acceptance/reversals/) guide for more information.

To access this endpoint using an [access token](https://docs.moov.io/api/authentication/access-tokens/) you'll need to specify the `/accounts/{accountID}/transfers.write` scope.

POST

/accounts/{accountID}/transfers/{transferID}/refunds

Ask

```shell
curl -X POST "https://api.moov.io/accounts/{accountID}/transfers/{transferID}/refunds" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.04.00"
```

Ask

```go
mc, _ := moov.NewClient()

var accountID string
var transferID string

mc.RefundTransfer(ctx, accountID, transferID, moov.CreateRefund{
    Amount: 1700,
})
```

Ask

```typescript
import { Moov } from "@moovio/sdk";

const moov = new Moov({
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.transfers.initiateRefund({
    xIdempotencyKey: "8d9af6b8-67e1-4efa-8188-68039f34097d",
    accountID: "cb6ae9f9-afab-4f06-9eb0-8abf54a3ada2",
    transferID: "04022119-95be-4ef4-9dd4-b3782f6aa7b9",
    createRefund: {
      amount: 1000,
    },
  });

console.log(result);
}

run();
```

Ask

```php
declare(strict_types=1);

require 'vendor/autoload.php';

use Moov\MoovPhp;
use Moov\MoovPhp\Models\Components;
use Moov\MoovPhp\Models\Operations;

$sdk = MoovPhp\Moov::builder()
    ->setSecurity(
        new Components\Security(
            username: '',
            password: '',
        )
    )
    ->build();

$request = new Operations\InitiateRefundRequest(
    xIdempotencyKey: '8d9af6b8-67e1-4efa-8188-68039f34097d',
    accountID: 'cb6ae9f9-afab-4f06-9eb0-8abf54a3ada2',
    transferID: '04022119-95be-4ef4-9dd4-b3782f6aa7b9',
    createRefund: new Components\CreateRefund(
        amount: 1000,
    ),
);

$response = $sdk->transfers->initiateRefund(
    request: $request
);

if ($response->createRefundResponse !== null) {
    // handle response
}
```

Ask

```java
package hello.world;

import io.moov.sdk.Moov;
import io.moov.sdk.models.components.*;
import io.moov.sdk.models.errors.*;
import io.moov.sdk.models.operations.InitiateRefundRequest;
import io.moov.sdk.models.operations.InitiateRefundResponse;
import java.lang.Exception;
import java.lang.Object;

public class Application {

public static void main(String[] args) throws GenericError, CardAcquiringRefund, RefundValidationError, Exception {

Moov sdk = Moov.builder()
                .security(Security.builder()
                    .username("")
                    .password("")
                    .build())
            .build();

InitiateRefundRequest req = InitiateRefundRequest.builder()
                .xIdempotencyKey("8d9af6b8-67e1-4efa-8188-68039f34097d")
                .accountID("cb6ae9f9-afab-4f06-9eb0-8abf54a3ada2")
                .transferID("04022119-95be-4ef4-9dd4-b3782f6aa7b9")
                .createRefund(CreateRefund.builder()
                    .amount(1000L)
                    .build())
                .build();

InitiateRefundResponse res = sdk.transfers().initiateRefund()
                .request(req)
                .call();

if (res.createRefundResponse().isPresent()) {
            CreateRefundResponse unionValue = res.createRefundResponse().get();
            Object raw = unionValue.value();
            if (raw instanceof io.moov.sdk.models.components.CardAcquiringRefund) {
                io.moov.sdk.models.components.CardAcquiringRefund cardAcquiringRefundValue = (io.moov.sdk.models.components.CardAcquiringRefund) raw;
                // Handle cardAcquiringRefund variant
            } else if (raw instanceof AsyncCreatedRefund) {
                AsyncCreatedRefund yncCreatedRefundValue = (AsyncCreatedRefund) raw;
                // Handle asyncCreatedRefund variant
            } else {
                // Unknown or unsupported variant
            }
        }
    }
}
```

Ask

```python
from moovio_sdk import Moov
from moovio_sdk.models import components

with Moov(
    security=components.Security(
        username="",
        password="",
    ),
) as moov:

res = moov.transfers.initiate_refund(x_idempotency_key="8d9af6b8-67e1-4efa-8188-68039f34097d", account_id="cb6ae9f9-afab-4f06-9eb0-8abf54a3ada2", transfer_id="04022119-95be-4ef4-9dd4-b3782f6aa7b9", amount=1000)

# Handle response
    print(res)
```

Ask

```ruby
require 'moov_ruby'

Models = ::Moov::Models
s = ::Moov::Client.new(
  security: Models::Components::Security.new(
    username: '',
    password: ''
  )
)

req = Models::Operations::InitiateRefundRequest.new(
  x_idempotency_key: '8d9af6b8-67e1-4efa-8188-68039f34097d',
  account_id: 'cb6ae9f9-afab-4f06-9eb0-8abf54a3ada2',
  transfer_id: '04022119-95be-4ef4-9dd4-b3782f6aa7b9',
  create_refund: Models::Components::CreateRefund.new(
    amount: 1000
  )
)
res = s.transfers.initiate_refund(request: req)

unless res.create_refund_response.nil?
  # handle response
end
```

Ask

```csharp
using Moov.Sdk;
using Moov.Sdk.Models.Components;
using Moov.Sdk.Models.Requests;

var sdk = new MoovClient(security: new Security() {
    Username = "",
    Password = "",
});

InitiateRefundRequest req = new InitiateRefundRequest() {
    XIdempotencyKey = "8d9af6b8-67e1-4efa-8188-68039f34097d",
    AccountID = "cb6ae9f9-afab-4f06-9eb0-8abf54a3ada2",
    TransferID = "04022119-95be-4ef4-9dd4-b3782f6aa7b9",
    Body = new CreateRefund() {
        Amount = 1000,
    },
};

var res = await sdk.Transfers.InitiateRefundAsync(req);

// handle response
```

The request completed successfully.

Ask

Ask
Successful async refund

```json
{
  "amount": {
    "currency": "USD",
    "value": 1204
  },
  "createdOn": "2023-09-09T14:15:22Z",
  "refundID": "d4963079-5b35-4d17-981e-8f851753f786"
}
```

Successful sync refund

```json
{
  "amount": {
    "currency": "USD",
    "value": 1204
  },
  "cardDetails": {
    "confirmedOn": "2023-09-09T14:17:41Z",
    "initiatedOn": "2023-09-09T14:16:22Z",
    "status": "confirmed"
  },
  "createdOn": "2023-09-09T14:15:22Z",
  "refundID": "d4963079-5b35-4d17-981e-8f851753f786",
  "status": "pending",
  "updatedOn": "2023-09-09T14:17:41Z"
}
```

### Response headers

A unique identifier used to trace requests.

A refund was successfully created but an error occurred while waiting for a synchronous response.

Ask

Example

Details of a card refund.

```json
{
  "refundID": "string",
  "createdOn": "2019-08-24T14:15:22Z",
  "updatedOn": "2019-08-24T14:15:22Z",
  "status": "created",
  "amount": {
    "currency": "USD",
    "value": 1204
  },
  "cardDetails": {
    "status": "initiated",
    "failureCode": "call-issuer",
    "initiatedOn": "2019-08-24T14:15:22Z",
    "confirmedOn": "2019-08-24T14:15:22Z",
    "settledOn": "2019-08-24T14:15:22Z",
    "failedOn": "2019-08-24T14:15:22Z",
    "completedOn": "2019-08-24T14:15:22Z"
  }
}
```

### Response headers

A unique identifier used to trace requests.

The server could not understand the request due to invalid syntax.

Ask

Example

```json
{
  "error": "string"
}
```

### Response headers

A unique identifier used to trace requests.

The requested resource was not found.

### Response headers

A unique identifier used to trace requests.

Attempted to create a refund using a duplicate X-Idempotency-Key header.

Ask

Example

Details of a card refund.

### Response headers

A unique identifier used to trace requests.

The request was well-formed, but the contents failed validation. Check the request for missing or invalid fields.

Ask

Example

```json
{
  "amount": "string",
  "error": "string"
}
```

### Response headers

A unique identifier used to trace requests.

Request was refused due to rate limiting.

### Response headers

A unique identifier used to trace requests.

The request failed due to an unexpected error.

### Response headers

A unique identifier used to trace requests.

The request failed because a downstream service failed to respond.

### Response headers

A unique identifier used to trace requests.

Set this header to v2026.04.00 to use the API described in this specification. When omitted, the server defaults to v2024.01.00, which may not match the behavior documented here.

Possible values:

`v2026.04.00`

Prevents duplicate refunds from being created.

Optional header that indicates whether to return a synchronous response that includes full transfer and rail-specific details or an asynchronous response indicating the transfer was created (this is the default response if the header is omitted). A timeout will occur after 15 seconds.

Possible values:

`rail-response`

The merchant's Moov account ID.

Identifier for the transfer.

Specifies a partial amount to refund.

This request body is optional, an empty body will issue a refund for the full amount of the original transfer.

Amount to refund in cents. If null, the original transfer's full amount will be refunded.

Details of a card refund.

Show child attributes

A 3-letter ISO 4217 currency code.

Quantity in the smallest unit of the specified currency.

In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.

Show child attributes

Possible values:

`initiated`,

`confirmed`,

`settled`,

`failed`,

`completed`

Possible values:

`call-issuer`,

`do-not-honor`,

`processing-error`,

`invalid-transaction`,

`invalid-amount`,

`no-such-issuer`,

`reenter-transaction`,

`cvv-mismatch`,

`lost-or-stolen`,

`insufficient-funds`,

`invalid-card-number`,

`invalid-merchant`,

`expired-card`,

`incorrect-pin`,

`transaction-not-allowed`,

`suspected-fraud`,

`amount-limit-exceeded`,

`velocity-limit-exceeded`,

`revocation-of-authorization`,

`card-not-activated`,

`issuer-not-available`,

`could-not-route`,

`cardholder-account-closed`,

`unknown-issue`,

`duplicate-transaction`

Identifier for the refund.

Possible values:

`created`,

`pending`,

`completed`,

`failed`

Asynchronous refund response

Show child attributes

A 3-letter ISO 4217 currency code.

Quantity in the smallest unit of the specified currency.

In USD this is cents, for example, $12.04 is 1204 and $0.99 is 99.