Refund Bank Transfer

This guide explains how to initiate a refund for a payin bank transfer transaction.

Refund Transfer Request

• Path: /api/v1/transfer-requests/refund
• Method: POST
• Headers:
• Accept: application/json
• Content-Type: application/json
• Authorization: Bearer {merchant_api_bearer_token}

Request Body Table

Field	Type	Required	Description
onusReference	string	Yes	The ONUS reference of the original transaction
businessId	string	Yes	Your business identifier

Sample Request Body

{
  "onusReference": "{onus_reference}",
  "businessId": "{business_id}"
}

Sample Response

{
  "status": 200,
  "message": "Success",
  "data": {
    "paymentStatus": "PENDING",
    "currency": "NGN",
    "amount": 15000,
    "fee": 50,
    "onusReference": "{onus_reference}",
    "merchantReference": "{merchant_reference}"
  }
}

Additional Information

• The onusReference must correspond to a completed (successful) payin bank transfer transaction.
• The refund is initiated asynchronously. The paymentStatus will be PENDING initially and will transition to a terminal state (SUCCESSFUL or FAILED).
• A webhook notification will be sent to you once the refund has been processed.
• The fee field in the response reflects any applicable processing fee for the refund.