Transfer refunds

API reference for refunding transfers

Refunds
/transfer/refund/createCreate a refund for a transfer
/transfer/refund/cancelCancel a refund
/transfer/refund/getRetrieve information about a refund

/transfer/refund/create

Create a refund

Use the /transfer/refund/create endpoint to create a refund for a transfer. A transfer can be refunded if the transfer was initiated in the past 180 days.
Processing of the refund will not occur until at least 4 business days following the transfer's settlement date, plus any hold/settlement delays. This 3-day window helps better protect your business from regular ACH returns. Consumer initiated returns (unauthorized returns) could still happen for about 60 days from the settlement date. If the original transfer is canceled, returned or failed, all pending refunds will automatically be canceled. Processed refunds cannot be revoked.

transfer/refund/create

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
transfer_id
requiredstring
The ID of the transfer to refund.
amount
requiredstring
The amount of the refund (decimal string with two digits of precision e.g. "10.00").
idempotency_key
requiredstring
A random key provided by the client, per unique refund. Maximum of 50 characters.
The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. For example, if a request to create a refund fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single refund is created.

Max length: 50 
1const request: TransferRefundCreateRequest = {
2  transfer_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
3  amount: '12.34',
4  idempotency_key: 'VEK2ea3X6LKywsc8J6pg',
5};
6
7try {
8  const response = await client.transferRefundCreate(request);
9} catch (error) {
10  // handle error
11}
transfer/refund/create

Response fields and example

refund
object
Represents a refund within the Transfers API.
id
string
Plaid’s unique identifier for a refund.
transfer_id
string
The ID of the transfer to refund.
amount
string
The amount of the refund (decimal string with two digits of precision e.g. "10.00").
status
string
The status of the refund.
pending: A new refund was created; it is in the pending state. posted: The refund has been successfully submitted to the payment network. settled: Credits have been refunded to the Plaid linked account. cancelled: The refund was cancelled by the client. failed: The refund has failed. returned: The refund was returned.

Possible values: pending, posted, cancelled, failed, settled, returned
failure_reason
nullableobject
The failure reason if the event type for a refund is "failed" or "returned". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the refund status is returned. For a full listing of ACH return codes, see Transfer errors.
description
string
A human-readable description of the reason for the failure or reversal.
created
string
The datetime when this refund was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
network_trace_id
nullablestring
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For ach or same-day-ach transfers, this is the ACH trace number. For wire transfers, this is the IMAD (Input Message Accountability Data) number. The field will remain null for transfers on other rails.
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "refund": {
3    "id": "667af684-9ee1-4f5f-862a-633ec4c545cc",
4    "transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
5    "amount": "12.34",
6    "status": "pending",
7    "created": "2020-08-06T17:27:15Z",
8    "failure_reason": null,
9    "network_trace_id": null
10  },
11  "request_id": "saKrIBuEB9qJZno"
12}

/transfer/refund/cancel

Cancel a refund

Use the /transfer/refund/cancel endpoint to cancel a refund. A refund is eligible for cancellation if it has not yet been submitted to the payment network.

transfer/refund/cancel

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
refund_id
requiredstring
Plaid’s unique identifier for a refund.
1const request: TransferRefundCancelRequest = {
2  refund_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
3};
4
5try {
6  const response = await client.transferRefundCancel(request);
7} catch (error) {
8  // handle error
9}
transfer/refund/cancel

Response fields and example

request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "request_id": "saKrIBuEB9qJZno"
3}

/transfer/refund/get

Retrieve a refund

The /transfer/refund/get endpoint fetches information about the refund corresponding to the given refund_id.

transfer/refund/get

Request fields and example

client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
refund_id
requiredstring
Plaid’s unique identifier for a refund.
1const request: TransferRefundGetRequest = {
2  refund_id: '460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9',
3};
4
5try {
6  const response = await client.transferRefundGet(request);
7} catch (error) {
8  // handle error
9}
transfer/refund/get

Response fields and example

refund
object
Represents a refund within the Transfers API.
id
string
Plaid’s unique identifier for a refund.
transfer_id
string
The ID of the transfer to refund.
amount
string
The amount of the refund (decimal string with two digits of precision e.g. "10.00").
status
string
The status of the refund.
pending: A new refund was created; it is in the pending state. posted: The refund has been successfully submitted to the payment network. settled: Credits have been refunded to the Plaid linked account. cancelled: The refund was cancelled by the client. failed: The refund has failed. returned: The refund was returned.

Possible values: pending, posted, cancelled, failed, settled, returned
failure_reason
nullableobject
The failure reason if the event type for a refund is "failed" or "returned". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the refund status is returned. For a full listing of ACH return codes, see Transfer errors.
description
string
A human-readable description of the reason for the failure or reversal.
created
string
The datetime when this refund was created. This will be of the form 2006-01-02T15:04:05Z

Format: date-time
network_trace_id
nullablestring
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For ach or same-day-ach transfers, this is the ACH trace number. For wire transfers, this is the IMAD (Input Message Accountability Data) number. The field will remain null for transfers on other rails.
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "refund": {
3    "id": "667af684-9ee1-4f5f-862a-633ec4c545cc",
4    "transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
5    "amount": "12.34",
6    "status": "pending",
7    "created": "2020-08-06T17:27:15Z",
8    "failure_reason": null,
9    "network_trace_id": null
10  },
11  "request_id": "saKrIBuEB9qJZno"
12}