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Fast refunds

Fast refunds

Fast refunds allow for refunds to credit a cardholder's account within 30 minutes, where the account accepts fast funds disbursements.

Prerequisite

To enable this feature, please speak to your Implementation Manager.

Request

Submit the fastRefund object in your full or partial refund request.

Example:

{
    "fastRefund": {
        "enabled": true,
        "fallbackToStandard": false
    }
}
Recommendation

Submit the fallbackToStandard boolean so that a standard refund is attempted if your customer's card does not support fast routing.

Response

The response message is identical to a standard full or partial refund response.

{
  "paymentId": "payqRdrJboocTc1dCVdAu4Vd0",
  "commandId": "cmddn9j_SEC7N4_ynTDRBWc-0",
  "_links": {
    "cardPayments:events": {
      "href": "/payments/events/:linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

Event webhooks

If you have attempted to send a fast refund, you receive a fastRefund flag in your sentForRefund event.

If the refund fails you receive a description with the reason for the failure.

Example event webhooks

  "eventId": "bb55ca5a-e05c-47e1-8e94-e88bac1a0a17",
  "eventTimestamp": "2018-06-13T14:18:13.407",
  "eventDetails": {
    "classification": "payment",
    "downstreamReference": "3378792436",
    "transactionReference": "Memory265-13/08/1876",
    "type": "sentForRefund",
    "date": "2025-11-11",
    "reference": "12345",
    "fastRefund": "attempted",
    "amount": {
      "value": 100,
      "currencyCode": "EUR"
    },
    "_links": {
      "payment": {
        "href": ""
      }
    }