/refund_debit

This endpoint initiates a refund to an end user's successfully linked debit card.

📘
NOTE
The available balance in the end user's Sila wallet must be equal or greater than the refund amount for a successful refund.

Requests

The transaction_id key is required and is used to uniquely identify the transaction to refund.

Authorization / Authentication

Apps using Access Token Authorization

Use a valid access token in an Authorization: Bearer request header.

See Authenticating with an Access Token for more details.

Apps using ECDSA Authentication

Both authsignature and usersignature headers are required for this request. The usersignature header should be generated with a keypair registered to the user (either registered from the /register endpoint or the /register_wallet endpoint).

See the section on ECDSA Authentication for more detail about ECDSA signature generation.

Note - We recently renamed the field auth_handle to app_handle. For backward compatibility, auth_handle is still valid but has been removed from our documentation.

You cannot request a refund on a transaction if the associated debit card has been unlinked/deleted.

NOTE: You will need to create a Customer Reserve Wallet to utilize this endpoint.

Please contact Sila support via Slack and provide the following to set up your CRW:

For SANDBOX: app_handle, user_handle, and the Wallet ID
For PRODUCTION: Company Legal Name, app_handle, user_handle, and the Wallet ID

POST /0.2/refund_debit_card HTTP/1.1
sandbox.silamoney.com
Content-Type: application/json
// if using OAuth2
Authorization: Bearer [GENERATED JWT TOKEN HERE]
// if using ECDSA
authsignature: [GENERATED AUTHSIGNATURE HEX STRING HERE]
usersignature: [GENERATED USERSIGNATURE HEX STRING HERE]

{
  "header": {
    "created": 1234567890, 
    "auth_handle": "handle.silamoney.eth", 
    "user_handle":"user.silamoney.eth", 
    "reference": "<your unique id>"
  },
  "transaction_id": "<transaction_id>"
}

***

HTTP/1.1 200 OK

{
  "success": true,
  "reference": "6f8a23c0-4122-401c-b8c2-38847a8dd051",
  "message": "A refund request is in progress for debit card transaction 881ac1ba-400c-44ed-b4bd-d82f34cea273.",
  "status": "SUCCESS",
  "response_time_ms": "883"
}Payload
{
  	"user_handle" : "user.silamoney.eth"
    "transaction_id": "c4829191-e444-4244-b0ed-52dfefa21e0c"
}

response = Transaction.refundDebitCard(silaApp, payload, eth_private_key)

### Success Response Object
{
    "success": true,
    "transaction_id": "c4829191-e444-4244-b0ed-52dfefa21e0c",
    "refund_transaction_id": "0bc545b8-2559-4294-85ac-9429bc6b9df4",
    "reference": "a650db98-681b-4ab6-9443-e8cf9acec640",
    "message": "A refund request in the amount of $0.01 (1 SILA) has been submitted as a second/child transaction.",
    "warning": null,
    "status": "SUCCESS",
    "response_time_ms": "1083"
}

### Failure Response Object
{
    status: 'FAILURE'
}

var payload = {
    "header": {
        "app_handle": "{{app_handle}}",
        "user_handle": "{{user_handle}}"
    },
    "transaction_id": "c4829191-e444-4244-b0ed-52dfefa21e0c"
}
const res2 = await sila.refundDebitCard(handles[0],wallets[0].privateKey,payload);

//Response
{
    "success": true,
    "transaction_id": "c4829191-e444-4244-b0ed-52dfefa21e0c",
    "refund_transaction_id": "0bc545b8-2559-4294-85ac-9429bc6b9df4",
    "reference": "a650db98-681b-4ab6-9443-e8cf9acec640",
    "message": "A refund request in the amount of $0.01 (1 SILA) has been submitted as a second/child transaction.",
    "warning": null,
    "status": "SUCCESS",
    "response_time_ms": "1083"
}

RefundDebitCardMessage refundDebitCardMessage = RefundDebitCardMessage.builder()
                .userHandle("user_handle")
                .userPrivateKey("user_private_key")
                .transactionId("transaction id")
                .build();
ApiResponse response = api.refundDebitCard(refundDebitCardMessage);
// Success response
System.out.println(response.getStatusCode()); // 202
RefundDebitCardResponse parsedResponse = (RefundDebitCardResponse) response.getData();
System.out.println(parsedResponse.getSuccess());
System.out.println(parsedResponse.getReference()); // Random reference number
System.out.println(parsedResponse.getStatus()); // SUCCESS
System.out.println(parsedResponse.getMessage()); // A refund request is in progress for debit card transaction ...
System.out.println(parsedResponse.getTransactionId()); // Transaction id
System.out.println(parsedResponse.getRefundTransactionId()); // Refund transaction id

Key	Type	Description
header	JSON object	Required. Requires these keys in JSON format: created, auth_handle, user_handle. See the /check_handle endpoint for the complete list of fields in this object.
transaction_id	String	Required. See the /get_transactions endpoint response to find transaction_id information.

Responses

Status Code	`success` Attribute	Description
202	true	Refund successfully initiated.
400	false	Refund request not authorized by Checkout.com.
400	false	Refund requested for a transaction that was not processed through Checkout.com.
400	false	Refund requested for a transaction that did not originate from a debit card (i.e, can't request a refund on an transaction that originated from a bank account).
400	false	Refund requested for a transaction that originated from a credit card.
400	false	Refund requested for a transaction that originated from a debit card which has since been deleted.
404	false	Transaction not found matching provided id.