> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# The Refund object

## The Refund object

The `Refund` object represents a refund you create against a `PaymentIntent`. Fintoc returns the `Refund` object in Refunds API responses and in refund webhook events. The `status` field tracks the disbursal, from `created` to `in_progress`, and then to `succeeded`, `failed`, or `canceled`.

```json Refund Object theme={null}
{
  "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": "Jane Doe",
    "institution_id": "cl_banco_de_chile",
    "number": "123456789",
    "type": "checking_account"
  },
  "resource_id": "pi_3MjTCxEhuqCR3lNz1FLrtTeH",
  "resource_type": "payment_intent",
  "status": "succeeded",
  "updated_at": "2021-11-15T12:23:11.474Z"
}
```

| 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](/reference/fintoc-api/metadata) 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 [The Recipient Account object](#the-recipient-account-object-within-the-refund-object) below. |
| `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`, `failed`, or `canceled`.                                                                                                                      |
| `updated_at`        | `string`           | ISO 8601 datetime in UTC when the refund was last updated.                                                                                                                                                                |

### The Recipient Account object (within the Refund object)

| 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](/reference/fintoc-api/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

| 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.                                               |
| `failed`      | Processing the refund failed.                                                                           |
| `canceled`    | You canceled the refund before processing started.                                                      |