# Online refunds

Online refunds are approved by the card issuer in real-time, in a similar way to payment authorizations.

This gives you faster feedback on whether the refund was successfully authorized or refused by the issuer. Your customer may also receive faster confirmation from their card issuer that the refund is being processed.

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

## Processing online refunds

You process online refunds in the same way as standard refunds. Simply use the full refund or partial refund action links returned in your settlement response.

You get a `202 HTTP code` which confirms we have received your request.

However, the event webhook will contain a `refund.onlineRefundAuthorization` code for a successful online refund, or a `refund.refusal` object for a refused online refund.

#### Example event webhooks

sentForRefund

```
{
  "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": "2025-11-03",
    "reference": "12345",
    "refund": {
      "onlineRefundAuthorization": "987654"
    },
    "amount": {
      "value": 100,
      "currencyCode": "EUR"
    },
    "_links": {
      "payment": {
        "href": ""
      }
    }
  }
}
```

refundFailed

```
{
  "eventId": "bb55ca5a-e05c-47e1-8e94-e88bac1a0a17",
  "eventTimestamp": "2018-06-13T14:18:13.407",
  "eventDetails": {
    "classification": "payment",
    "downstreamReference": "3378792436",
    "transactionReference": "Memory265-13/08/1876",
    "type": "refundFailed",
    "date": "2017-11-03",
    "reference": "12345",
    "refund": {
      "refusal": {
        "code": "5",
        "description": "Do not honor"
      }
    },
    "amount": {
      "value": 100,
      "currencyCode": "EUR"
    },
    "_links": {
      "payment": {
        "href": ""
      }
    }
  }
}
```

## Testing

Please refer to our [Card Payments testing page](/products/card-payments/testing#online-refund-test-values) for guidance on testing various online refund scenarios.