Refunding APMs

The possible ways to refund APMs (where supported by the APM).

Refund methods

There are potentially two ways to refund an APM. This all depends on the APM, currency and country:

  • Direct refund: The recommended method - the refund goes directly back to the payment type used (e.g. card, e-wallet, bank account, and so on)
  • Bank transfer refund: The refund is actioned by a bank transfer, which is either:
    • Completed manually, using the MAI
    • Initiated from within the MAI or via an order modification, and then completed by the shopper via a Webform URL

Pros and cons of each method

Refund MethodProsCons
  • Cheaper and more predictable costs
  • More reliable, low user intervention - a single button press
  • Simple rules as to what works
  • Suitable for shoppers without bank accounts
  • More limited coverage of the APM base - not all APMs can do a direct refund
Bank Transfer
  • Works with almost any APM payment
  • More expensive and less predictable costs
  • Shopper interaction needed
  • Shopper may not have a bank account
  • More complex rules to follow for a successful refund

How long you have to refund

The time you have to refund an APM is between 60 days and 2 years from the authorisation date. The refund capability tables below explain this in more detail for each APM.

Refund currency

The refund currency is always in the authorised currency of the payment.

Refund support

Some APMs do not support refunds. Of those that do, some support partial refunds (a single refund of part of the original authorised amount), and some also support multiple partial refunds (more than one refund, up to the total amount authorised).

Refunding a payment made in a different currency

If the authorisation currency and the transfer currency are not the same, be aware that the prevailing exchange rate (when the refund is requested) might mean that the amount debited from the settlement account might be more or less than the original amount.