Refund Bank Transfer

The "Refunds" functionality allows external customers/users to request a refund of the amount paid. It is available through API or Localpayment Dashboard.

Bank Transfer Refund Guidelines

Before initiating a Bank Transfer Refund, please note the following requirements:

• Transaction Status: Refunds are only permitted for transactions with a "Completed" status.

• Refund Amount: The refund must be issued for the full amount of the original payment.

Availability

Alternative Payment Methods (APMs)

• QR (Argentina)

• ETPAY (Chile)

• Fintoc (Chile)

• PSE (Colombia)

Virtual Accounts

• Argentina

• Brazil

• Chile

• México

Direct Debit

• DEBIN (Argentina)

Country Specific Refund Rules

Chile

Virtual Accounts:

• Low-Value Transactions (Below CLP 7,000,000)

  • Refunds are unrestricted and can be processed via API or Dashboard.

• High-Value Transactions (CLP 7,000,000 or Higher)

  • Refunds are restricted and only allowed if the originating account is held at Banco Security.

México

Virtual Accounts:

• Refund Availability:

  • SPEI: Refunds are available for transactions processed via SPEI.

  • TEF: Refunds are not currently supported.

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Create a Refund via Localpayment API

PATCH {api_base_url}api/payin/{externalId}/refund

Headers

Name	Type	Description
Authorization *	String	JWT token in Bearer format eyJ0... For more information about authentication, please refer to Authentication.

Path params

Name	Type	Description
externalId*	String	An ID that is meaningful to you and your system. Must be unique.

Request example

Request

curl --location --request PATCH 'https://api.stage.localpayment.com/api/payin/{{externalId}}/refund' \
--header 'x-client-code: 0000' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer <your_access_token>' \
--data '{
}'

Response example

200: OK - Payin refunded

{
    "externalId": "1c364061-1f3d-4b94-c270-bf915c22e8f5",
    "internalId": "8a9abd31-31e0-429a-32a6-cca8b9e1e536",
    "status": {
        "code": "902",
        "description": "REFUNDED",
        "detail": "The payin was refunded"
    }
}

400: Bad Request - Payin not found

400: Bad Request - Incomplete payer information

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Create a Refund via Localpayment Dashboard

Bank Details: Refunds are only allowed for transactions where the payer's details were provided at the time of the original payin.

Info

• A user with permissions must create the refund.

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Approve a Refund via Localpayment Dashboard

Info

• Your account must be set to require authorization for refunds.

• A user with permissions must authorize the refund before it can be processed.

• Refunds can be authorized using the "Pending Authorization" menu option within the "Refunds" menu.