Transaction Types
Refunds
Full and partial refunds for card and ACH payments.
A refund returns funds to a customer after a payment has been captured. Refunds differ from voids — you can only void an uncaptured authorization, while refunds apply to captured payments.
Card refunds
curl -X POST https://api.cresoracommerce.com/api/v1/transactions \
-H "Authorization: Bearer csk_test_xxxxxxxxxxxx" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: idem_$(uuidgen)" \
-d '{ "type": "REFUND", "parent_transaction_id": "{transactionId}", "refund_reason": "customer_requested" }'curl -X POST https://api.cresoracommerce.com/api/v1/transactions \
-H "Authorization: Bearer csk_test_xxxxxxxxxxxx" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: idem_$(uuidgen)" \
-d '{ "type": "PARTIAL_REFUND", "parent_transaction_id": "{transactionId}", "amount": "50.00", "refund_reason": "customer_requested" }'Refund rules
| Rule | Detail |
|---|---|
| Minimum | 1 cent |
| Maximum | Original captured amount |
| Multiple partials | Allowed until cumulative equals original amount |
| Timing | Any time after capture; up to 365 days (varies by card network) |
| Settlement timing | Credit appears on cardholder statement in 3–7 business days |
Refund response
{
"id": "ref_xxxxxxxxxxxx",
"payment_id": "pay_xxxxxxxxxxxx",
"amount": "50.00",
"currency": "USD",
"status": "pending",
"created_at": "2026-05-29T15:00:00Z"
}Refunds start in pending status and move to succeeded once processed (typically same day for card refunds).
ACH refunds
For ACH payments, a refund creates a new credit ACH entry — it doesn't reverse the original debit. The customer receives the credit 1–3 business days after submission.
POST https://api.cresoracommerce.com/api/v1/transactions
{ "type": "ACH_REFUND", "parent_transaction_id": "{transactionId}", "refund_reason": "customer_requested" }ℹNote
For ACH payments processed on the same business day, submit a same-day reversal — POST /api/v1/transactions with type: "ACH_REVERSAL" — instead. Reversals are faster (same-day) than refunds (1–3 days). See ACH Transactions →.
Webhook events
| Event | When |
|---|---|
payment.refunded | Refund succeeds |
refund.failed | Refund fails (rare — contact support) |