Refunds and chargebacks

Refunds go back to the original payment method through the gateway's dashboard or API, in full or in part. Card and UPI refunds usually take several working days to reach the customer, which is worth stating on the refund page. Most gateways do not charge for a refund but keep the fee from the original payment, and some offer instant refunds for an extra fee.

A chargeback starts with the customer's bank: the customer reports fraud, a missing delivery or a double charge, the bank pulls the money back, and the gateway asks the merchant for evidence such as invoices, delivery proof or logs. Missing the response deadline usually means losing automatically, many gateways add a chargeback fee, and too many chargebacks can get an account restricted.