Refunds

A refund sends money back to the customer. If a transfer was already sent, a reversal may be created.

Practical notes

• Refund volume can affect risk profile and payout behavior.
• Keep delivery and communication evidence for edge cases.
• Use clear customer messaging to reduce unnecessary disputes.

Live behavior

• Refunds can trigger transfer reversals depending on payout state.
• Higher refund ratio can lead to additional monitoring.

Policy target

• Clear refund window policy tied to confirmed delivery events.
• Better automated communication around refund and credit-note status.