Refunds 
========

#### Handle refunds for Payment Initiation transactions 

#### Refunding payments 

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](https://plaid.com/docs/api/products/payment-initiation/index.html.md#payment_initiationpaymentcreate) you can set `request_refund_details: true`. If you do, the refund details (account number and sort code) will be available in the [/payment\_initiation/payment/get](https://plaid.com/docs/api/products/payment-initiation/index.html.md#payment_initiationpaymentget) 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](https://plaid.com/docs/auth/index.html.md) 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](https://plaid.com/docs/payment-initiation/virtual-accounts/index.html.md) .