Refunds
Issue a refund for an ACH debit
Refunds allow you to quickly and easily refund customers for ACH debit transfers.
Creating a refund
Use /transfer/refund/create
or the Plaid Dashboard transfer details pane to create a refund for a debit transfer. Pass the ID of the transfer you'd like to refund as transfer_id
in the request, and specify the amount of the refund with the amount
field. The amount of a refund can't exceed the amount of the refunded transfer.

You can create multiple refunds for a transfer as long as the total amount does not exceed the amount of the original transfer.
Refunds come out of the available balance of the ledger used for the original debit transfer. If there are not enough funds in the available balance to cover the refund amount, the refund will be rejected. You can create a refund at any time. Plaid does not impose any hold time on refunds.
If you choose to issue a refund for a debit transfer within 2 business days of the settlement date of the original debit transfer, the debit could still return for insufficient funds. Debits to consumers can return as “unauthorized” for up to 60 calendar days.
Transfers in a cancelled
, failed
, or returned
state cannot be refunded, as the money has either never left the original account, or has already been returned to the account.
Canceling a refund
Use /transfer/refund/cancel
or the Dashboard to cancel a refund. You can only cancel refunds before they've been submitted to the ACH network for processing.
Refund events
Plaid creates an event any time the status of a refund changes. Refund events are prefixed with refund.
and have a non-null refund_id
in the event object. See event monitoring for more information on monitoring events.
Refund events will have many of the same characteristics as the original payment. They will have the same account_id
, as well as having the same transfer_type
and a positive transfer amount. For example, if you were to refund $5 from a customer's debit
transfer of $100.00, that refund will be displayed in the events queue with a debit
transfer type and a "5.00"
transfer amount.