# Refunds

Refund a full or partial charge — from the dashboard today, via API soon.

# Refunds

Refunds can be issued through the **Dashboard → Transactions → Refund** action or with the public API: `POST /v1/refunds` (requires the `refunds:write` scope).

## How it works

1. Merchant clicks **Refund** on a `succeeded` transaction and enters an amount (full or partial).
2. Southbill issues a reversal of the destination transfer on the platform account so the money comes out of the merchant's balance, not Southbill's.
3. Southbill also reverses the pro-rata **application fee** — you only keep fees for what the buyer actually paid.
4. Transaction status becomes `refunded` (full) or `partially_refunded` (partial).
5. A `charge.refunded` webhook fires.

## Rules

- You cannot refund a `disputed` charge — resolve the dispute first. The dashboard shows a friendly error (`charge_disputed`).
- Refunds can be issued for **up to 180 days** after the original charge (processor limit).
- Partial refunds can be issued multiple times up to the total captured amount.
- Fee reversal is automatic and visible in the merchant's **Wallet** as `Southbill fee refund`.

## Webhook payload (`charge.refunded`)

```json
{
  "type": "charge.refunded",
  "data": {
    "charge_id": "ch_…",
    "session_id": "cs_…",
    "amount_refunded": 1990,
    "amount": 4990,
    "currency": "EUR",
    "reason": "requested_by_customer",
    "fully_refunded": false
  }
}
```