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Definition
A Refund is a process that credits a Cardholder account from the Merchant account.
It is initiated in case of reimbursement of a payment transaction, totally or partially.
A Refund performed at the POI (Point-of-Interaction) does not have to be linked to a previous payment transaction.
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However, when a Refund is initiated from a sale system or a device control, the payment system can optionally receive an initial transaction reference in order to fill in the corresponding data elements in the Refund message (see Nexo-Fast Specification Update Bulletin No. 11 Reference to the Original Transaction for Refund for more information).
Refund Reference Data may be identical to the Reference Data of the original Service, but this is not mandatory and not checked. Refund Reference Data is not used to retrieve the transaction data of the original Service, but it is stored in the transaction database for the Refund.