Refunds

For Payment Initiation (without Virtual Accounts), refunds can be executed using your banking partner to send funds to a user's bank account.

When calling /payment_initiation/payment/create you can set request_refund_details: true. If you do, the refund details (account number and sort code) will be available in the /payment/get response. You can then use your banking partner to push a refund to the end-user requesting a refund. Support varies across financial institutions and will not always be available.

Alternatively, if you have used Plaid's Auth product for account verification before making a payment, you will also have access to the user's bank account details.

For streamlined refunds via Plaid, see Virtual Accounts.