# Refunds

## Introduction

The Refund API enables merchants to issue full or partial refunds linked to `SUCCEEDED` payments.
Refunds are triggered from the merchant’s backend and are tracked using a merchant-generated reference.
To ensure a payment is not refunded multiple times Bancontact Payconiq uses indempotency checks. It is important to:

* Keep the same indempotency key for refund retrys (failure code 4XX or 5XX)
* Change the indempotency key if you are deliberately issuing multiple refunds for a payment.


Refunds can be initiated, monitored, and supported through the set of endpoints defined below.

Succesfull refunds will be deducted from your ongoing settlement payout (bulk payout). If you have insufficient funds the refund will be refused.

> **Important Note**: the `getRefundIban`endpoint should be called unsing an API Key and does not require activation
in Bancontact Payconiq's backend. However, the `createRefund` endpoint requires a JSON Web Signature (JWS) and must be activated
by our Support Team in our backend. To activate this endpoint, please reach out to your Account Manager or to our Support Team at devsupport@payconiq.be


For the full endpoint documentation, please refer to the [Merchant Payment API](/apis/merchant-payment.openapi). for GET Refund Endpoint
and to [Refund API](/apis/refund-public.openapi) for CREATE Refund and GET Refund by ID endpoints.

For more information on Payouts and Remittance Information, please refer to [this guide](/guides/general/payoutremittance052025).

## Get Refund IBAN

Retrieve the IBAN of the consumer who made the original payment. This endpoint is useful for refund processing, validation, or audit logging purposes.

This request dos not handle any money flow, but will simply provide the debtor's data.

### Path Parameters

| Name | Type | Required | Description |
|  --- | --- | --- | --- |
| `paymentId` | string | Yes | The ID of the original Payconiq payment. |


### Response

### Error Codes

| HTTP Status | Code | Meaning |
|  --- | --- | --- |
| 401 | `UNAUTHORIZED` | API key is invalid or missing. |
| 403 | `ACCESS_DENIED` | Access token is invalid. |
| 422 | `REFUND_NOT_FOUND` or `REFUND_NOT_AVAILABLE` | The Payment is P2P or Debtor Details are not Available |
| 404 | `PAYMENT_NOT_FOUND` | No payment found for the specified ID. |
| 500 | `TECHNICAL_ERROR` | Internal error in the payment service. |


### Sample Request – `getRefundIban`

## Create Refund

Use this endpoint to initiate a refund linked to a completed Payconiq payment.

> ⚠️ The payment must be in `SUCCEEDED` status to be eligible for refund.


### 📦 Request Body

### 📥 Response

### 🔧 Error Codes for `createRefund`

### 🔍 Sample Request – `createRefund`