The Refund object

The Refund object represents a refund you create against a PaymentIntent. Fintoc returns the Refund object in Refunds API responses and refund webhook events. The status field tracks the refund from created to in_progress, then to succeeded, failed, or canceled. A succeeded refund can later move to returned if the recipient’s bank returns the transfer.

Refund Object

{
  "id": "re_3MjTCxEhuqCR3lNz1NgprEoI",
  "object": "refund",
  "amount": 100,
  "created_at": "2021-10-15T15:23:11.474Z",
  "currency": "CLP",
  "failure_code": null,
  "metadata": {},
  "mode": "live",
  "recipient_account": {
    "holder_id": "111111111",
    "holder_name": "Test Customer 1",
    "institution_id": "cl_banco_de_chile",
    "number": "0000000000",
    "type": "checking_account"
  },
  "resource_id": "pi_3MjTCxEhuqCR3lNz1FLrtTeH",
  "resource_type": "payment_intent",
  "status": "succeeded",
  "updated_at": "2021-11-15T12:23:11.474Z"
}

The Refund object has the following attributes:

Attribute	Type	Description
`id`	`string`	Unique identifier for the refund.
`object`	`string`	Type of the object. Always `refund`.
`amount`	`integer`	Amount refunded, in the smallest currency unit. Greater than `0` and at most the original `PaymentIntent` amount. Defaults to the full `PaymentIntent` amount.
`created_at`	`string`	ISO 8601 datetime in UTC when the refund was created.
`currency`	`string`	Three-letter ISO 4217 currency code, in uppercase. One of `CLP` or `MXN`. Matches the currency of the original `PaymentIntent`.
`failure_code`	`string` or `null`	Reason the refund failed. One of `fraud_risk` (blocked by Fintoc’s fraud checks) or `insufficient_funds` (your organization has insufficient funds to cover the refund). `null` unless the refund failed.
`metadata`	`object`	Set of key-value pairs you can attach to the refund, useful for storing additional structured information.
`mode`	`string`	One of `live` or `test`. Always matches the original `PaymentIntent`. You cannot create a `test` refund for a `live` `PaymentIntent`, or the reverse.
`recipient_account`	`object` or `null`	Bank account that receives the refunded funds. `null` for refunds not disbursed by bank transfer, such as card refunds. See Recipient account.
`resource_id`	`string`	ID of the `PaymentIntent` being refunded.
`resource_type`	`string`	Type of the refunded resource. Always `payment_intent`.
`status`	`string`	Current status of the refund. One of `created`, `in_progress`, `succeeded`, `returned`, `failed`, or `canceled`.
`updated_at`	`string`	ISO 8601 datetime in UTC when the refund was last updated.

Recipient account

The recipient_account object has the following attributes:

Attribute	Type	Description
`holder_id`	`string`	Tax ID of the account holder, without dots or hyphens. In Chile, a Chilean tax ID (RUT); in Mexico, a Mexican tax ID (RFC).
`holder_name`	`string`	Name of the account holder.
`institution_id`	`string`	Identifier of the account’s institution. See Chile institution codes.
`number`	`string`	Account number that receives the refunded funds.
`type`	`string`	Type of the bank account. One of `checking_account` or `sight_account`.

Refund statuses

The refund lifecycle includes the following statuses:

Status	Description
`created`	Fintoc created the refund. Processing starts at 18:00 on the closest business day.
`in_progress`	The refund is processing. The funds arrive in your customer’s bank account within 1 to 2 business days.
`succeeded`	Fintoc transferred the refund to your customer’s account.
`returned`	The recipient’s bank returned the transfer after the refund succeeded. This status is final.
`failed`	Processing the refund failed.
`canceled`	You canceled the refund before processing started.

Fintoc API

Main Resources

Payments API

Business Accounts API

Movements API

Direct Debit (Legacy)

Fiscal API

The Refund object

Recipient account

Refund statuses

Fintoc API

Main Resources

Payments API

Business Accounts API

Movements API

Direct Debit (Legacy)

Fiscal API

​Recipient account

​Refund statuses

Recipient account

Refund statuses