> ## Documentation Index > Fetch the complete documentation index at: https://docs.payaza.africa/llms.txt > Use this file to discover all available pages before exploring further. # Initiate Refund > This endpoint is used to initiate a refund for a card transaction. ## OpenAPI ````yaml /openapi.json post /refund-chargeback/refund/merchant/api/refund openapi: 3.0.1 info: title: Payaza Documentation version: 2.0.0 description: >- API reference for processing payments using Card, Bank Transfer, USSD, and QR Code methods. servers: - url: https://api.payaza.africa/live security: - ApiKeyAuth: [] - TenantID: [] - ProductID: [] tags: - name: Transfers description: >- Transfers are transactions made from your Payaza account to beneficiaries. Merchants can instantly transfer funds from their available balance. For every transfer, you need to specify the amount and the beneficiary’s details. You become eligible to make transfers after you have been verified. (you sign up, finish account activation and KYC verification). - name: Payaza Account description: >- This is our internal account that can be used to make payouts to other bank accounts, in single or in bulk. The Payaza account can also be used to receive settlements. It can also be used to track the transfer status of your transactions and check your balance instantly - name: Sub Accounts description: >- This enables you to establish Sub Payaza accounts for your customers. Each sub-account comes with an assigned static virtual account, facilitating direct funding for individual accounts. Furthermore, the Main Payaza account can directly initiate funding for each sub-account. These sub-accounts serve the purpose of managing unique account positions or balances and facilitating disbursements from these positions to specified beneficiaries. - name: EUR Accounts description: >- This endpoints enable you to create EUR subaccounts which can be used to make transfers as required . - name: Apple Pay and Google Pay description: >- Apple Pay and Google Pay give your customers a fast, familiar, and secure way to complete payments. Our APIs provide a gateway to provide these services to your users for a smooth payment experience. - name: Virtual Accounts description: >- Virtual Accounts are bank accounts that are created for a specific purpose and last for specified durations. Virtual accounts are issued by Payaza’s partner banks. Our virtual account APIs can be used to create virtual accounts and perform other tasks relevant to virtual accounts. Virtual accounts are created to foster easy payment collections for your business and platform. Static/Reserved Account: This virtual account is created by the merchant and remains valid indefinitely. It can be used multiple times and does not expire. Dynamic Account: This virtual account is generated for a specific transaction or purpose. Please note that dynamic virtual account remains valid for a temporary period of time or until a payment of the specified amount is received. Upon expiry, a merchant can generate another one for a different purpose. - name: Card Collection description: >- The Card Collection APIs can be used to make card transactions, refund transactions that have been performed, check the status of a transaction and so much more. - name: Card Tokenisation description: >- The Card Tokenisation APIs are used to create card tokens, charge cards using tokens, retrieve all tokens created by a merchant account and deleting any card token as desired. - name: Refunds And Chargebacks description: >- The Refunds and Chargeback APIs are used to initiate refunds, view your refund and chargeback history and so much more. - name: Branches description: >- The Refunds and Chargeback APIs are used to initiate refunds, view your refund and chargeback history and so much more. - name: Auth-Capture-Void description: >- The Auth-Capture-Void APIs provide a two-phase payment process where transactions are first authorized, then captured or voided. This allows merchants to hold funds and complete the transaction in the future. - name: Momo and ZAR Collections description: APIs for MoMo, ZAR and XOF collections. - name: Check Transaction Status(Merchant Reference) description: >- This endpoint is used to check the transaction status of a transaction using the Merchant Reference.. paths: /refund-chargeback/refund/merchant/api/refund: post: tags: - Refunds And Chargebacks summary: Initiate Refund description: This endpoint is used to initiate a refund for a card transaction. requestBody: required: true content: application/json: schema: oneOf: - $ref: '#/components/schemas/initiateRefundRequest' examples: Initiate Refund: summary: Initiate Refund value: transaction_reference: APRQWE1001 refund_amount: 0.05 refund_reason: Refund responses: '200': description: Initiate Refund Response content: application/json: schema: oneOf: - $ref: '#/components/schemas/initiateRefundResponse' examples: Initiate Refund: summary: Initiate Refund value: message: Operation Completed data: message: Refund Processed Successfully refund_transaction_reference: RF20230228-LDUUSD payment_transaction_reference: APRQWE1001 status: SUCCESS original_transaction_amount: 0.05 refunded_amount: 0.05 successful: true '400': description: Invalid request security: - ApiKeyAuth: [] components: schemas: initiateRefundRequest: title: Initiate Refund Request type: object required: - transaction_reference - refund_amount properties: transaction_reference: type: string description: Unique reference of the original transaction to be refunded. example: APRQWE1001 refund_amount: type: number format: double description: Amount to be refunded. example: 0.05 refund_reason: type: string nullable: true description: Reason for the refund. example: Refund initiateRefundResponse: title: Initiate Refund Response type: object properties: message: type: string description: General status message. example: Operation Completed data: type: object properties: message: type: string description: Specific message about the refund. example: Refund Processed Successfully refund_transaction_reference: type: string description: Unique reference for the refund transaction. example: RF20230228-LDUUSD payment_transaction_reference: type: string description: Reference of the original payment transaction. example: APRQWE1001 status: type: string description: Status of the refund (e.g., SUCCESS, PENDING). example: SUCCESS original_transaction_amount: type: number format: double description: The amount of the original transaction. example: 0.05 refunded_amount: type: number format: double description: The amount actually refunded. example: 0.05 successful: type: boolean description: Indicates if the refund operation was successful. example: true securitySchemes: ApiKeyAuth: type: apiKey in: header name: Authorization description: Payaza {{Public API Key in Base 64}} TenantID: type: apiKey in: header name: X-TenantID description: live or test ProductID: type: apiKey in: header name: X-ProductID description: 'default value is ‟app” ' ````