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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.

post/transfer/refund/create

Request body

client_idstring

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.

secretstring

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_idstring required

The ID of the transfer to refund.

amountstring required

The amount of the refund (decimal string with two digits of precision e.g. "10.00").

idempotency_keystring required

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.

Response

OK

request_idstring required

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

Changes