Payment Reversal and Refund

General Information

For a description of payment reversal and payment refund, see the article «Internet Acquiring» → «Terms and Business Entities».

The same API request is used for both reversal and refund.

Payment Reversal

Payment reversal is available only for the following types of payments:

• Payments within the two-step payment scenario;
• Unconfirmed payments — paymentId without captureId in the COMPLETED status.

Upon reversal:

• The fee charged by QIWI during the payment is canceled;

• The response to the reversal or refund request contains the cancellation flag.

  "flags": [
      "REVERSAL"
    ]
  

Payment reversal can be full or partial.

In the case of a full reversal, the amount of the client’s unlocked funds equals the amount of the original transaction. In the case of a partial reversal, only part of the original transaction amount is made available to the client, while the remaining amount is still on hold.

Example of Partial Reversal

1. A client paid 2,000 RUB for an order using a bank card. The order contains two items: the first costing 1,500 RUB, the second 500 RUB.
2. QIWI, through the payment system and the issuer bank, held 2,000 RUB from the client’s card.
3. The client decided to cancel part of the order immediately after payment.
4. The partner initiated a partial reversal of the order for 1,500 RUB. At the time of reversal, the order amount was still on hold — the funds had not been debited in favor of the seller.
5. QIWI, through the payment system and the issuer bank, unlocked 1,500 RUB from the client’s account (the client can now use the funds), and 500 RUB remained on hold.

Payment Refund

A refund is available for the following types of payments:

• Payments within the single-step scenario or two-step payment scenario;
• Successfully completed payments only — paymentId in the COMPLETED status, for which there is a captureId in the COMPLETED status.

Upon refund:

• The fee charged by QIWI during the payment is not refunded;
• The response to the reversal or refund request does not contain the cancellation flag.

A refund can be full or partial. In the case of a full refund, the amount credited to the client’s card equals the amount of the original transaction. In the case of a partial refund, the client receives only part of the original transaction amount, while the remaining amount stays with the seller.

Example of Partial Refund

1. A client paid 2,000 RUB for an order using a bank card. The order contains two items: the first costing 1,500 RUB, the second 500 RUB.
2. QIWI, through the payment system and the issuer bank, held 2,000 RUB from the client’s card.
3. The partner sent QIWI payment confirmation.
4. QIWI, through the payment system and the issuer bank, debited the held 2,000 RUB from the client’s card in favor of the seller.
5. The client returned some items from the order totaling 1,500 RUB.
6. The partner initiated a refund for 1,500 RUB.
7. QIWI, through the payment system and the issuer bank, credited 1,500 RUB from the seller’s account to the client’s card.