EdfaPay Refund Integration

Refund Overview

The EdfaPay Refund Integration provides a secure and reliable way for merchants to return funds to customers for previously successful transactions. Refunds are processed in accordance with card scheme rules and banking regulations, ensuring transparency and clear tracking throughout the refund lifecycle.

This integration supports both full and partial refunds and is designed for platforms that require controlled and predictable refund handling.

Core Capabilities

EdfaPay’s Refund Integration enables merchants to:

Submit refund requests for successful transactions
Process both full and partial refunds
Track refund status through EdfaPay
Manage bank-dependent refund timelines

Refund Types Comparison

Refund Type	Description	Use Case
Full Refund	Returns the entire amount of a previously successful transaction.	Order cancellations or full reversals.
Partial Refund	Returns a specific portion of the original transaction amount.	Partial order adjustments or item returns.

Refund Options

Checkout Integration Refunds

Checkout – Full Refund

Returns the full amount of a previously successful checkout transaction. Used when an order is fully canceled after payment completion.

Checkout – Partial Refund

Returns part of the original checkout transaction amount. Useful for partial cancellations, item returns, or order adjustments.

Server-to-Server (S2S) Integration Refunds

S2S – Full Refund

Reverses the entire captured amount of a successful Server-to-Server transaction programmatically.

S2S – Partial Refund

Refunds a specific amount from the original S2S transaction. Multiple partial refunds may be supported as long as the total does not exceed the captured amount.

How Refunds Work in EdfaPay

EdfaPay handles refund requests by validating them, forwarding them to the banking network, and tracking their status until completion or rejection.

Refund handling sequence:

The merchant submits a refund request.
EdfaPay validates and accepts the request.
The refund request is forwarded to the acquiring bank.
The issuing bank processes the refund.
The refunded amount is credited back to the customer based on bank timelines.

Once a refund is accepted by EdfaPay, final completion depends on the issuing bank.

Banking Roles in Refund Processing

Acquiring Bank
The merchant’s bank that receives refund requests from EdfaPay and routes them through the card network.

Issuing Bank
The customer’s bank that issued the card and is responsible for crediting the refunded amount back to the customer’s account.

When a Refund Is Sent to the Bank

A refund is considered sent to the bank when EdfaPay returns a successful refund response to the merchant.

At this stage:

The refund request has been accepted by EdfaPay
The request has been forwarded to the acquiring bank
Final settlement depends on issuing bank processing

A successful response does not indicate that the funds have already reached the customer.

Refund Timelines

Refund timelines are determined by the issuing bank and the applicable card scheme.

Typical processing times range from 7 to 14 business days, depending on:

Issuing bank policies
Card network rules
Local banking regulations

EdfaPay does not control or expedite refund posting once the refund is sent to the bank.

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Important Considerations

Refunds can only be initiated for successful transactions.

A successful refund response from EdfaPay confirms acceptance, not final settlement.

Refund completion timelines are fully dependent on the issuing bank.

Partial refunds may be subject to amount, frequency, or configuration limitations.

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When to Contact the Customer’s Bank
Merchants should ask customers to contact their issuing bank when:

The refund status is successful in EdfaPay.

The expected refund timeline has passed.

The refunded amount is not visible on the customer’s statement.

In these cases, the delay is typically bank-side.

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When to Contact EdfaPay Support
Merchants should contact EdfaPay Support when:

The refund request is rejected or fails.

The refund does not appear in EdfaPay transaction records.

There is a mismatch between the refund amount and the original transaction.

A technical issue occurs during refund submission.