Split Tender Linked Refunds

Scope

• API Endpoint: v2/refunds
• API Permission: merchant
• Refund Type: Linked Refunds
• Transaction Type: Card/ACH + Card/ACH

Out-Of-Scope

• Refund Type: UnLinked Refunds/Credit

Overview

Linked refunds for split tender transactions allow merchants to refund payments that were originally processed using multiple payment methods. The refund process intelligently distributes the refund amount across the original payment methods while tracking remaining balances.

Split Tender Refund Scenarios

Standard Refund Scenarios

Standard Refund Scenarios

#	Scenario	Payment Methods	Payment Status	Merchant Request	Refund Status	Final Outcome	Merchant Action	Notes
1	Both Payments Refunded	Any	COMPLETED	Both: ✅ REQUESTED	Both: ✅ REFUNDED	✅ REFUNDED	None	Both refunds processed successfully
2	Refund Fails on One Payment	Any	COMPLETED	Both: ✅ REQUESTED	One: ✅ REFUNDED Other: ❌ REFUND_FAILED	⚠️ PARTIAL_REFUND_SUCCESS	Merchant may issue unlinked refund or credit	One refund fails due to expiry, closed account, dispute, or verification failure
3	Partial Amount Refunds	Any	COMPLETED	Both: ✅ REQUESTED WITH AMOUNT	Both: ✅ REFUNDED	✅ REFUNDED	None	Partial refunds processed successfully
4	Multiple or Sequential Refunds	Any	COMPLETED	Multiple requests	Refunds processed per request	✅ REFUNDED	None	System tracks remaining balance per method
7	Refund After Chargeback/Dispute	Card + Card / Card + ACH	DISPUTED / COMPLETED	Full amount	❌ REFUND_FAILED	⚠️ PARTIAL_REFUND_SUCCESS	None	Refund only for undisputed portion
8	Individual Refund Requested	Any	COMPLETED	Payment 2: ✅ REQUESTED	Payment 2: ✅ REFUNDED	✅ REFUNDED	None	Refund applied only to specified payment method

Edge Cases

Edge Cases

#	Scenario	Transaction Status	Merchant Request	Refund Status	Final Outcome	Merchant Action	Notes
1	Full Refund Initiated at Transaction Level: Subsequent Requent and One payment refund is completed	COMPLETED	Both: ✅ REQUESTED	FAILED	❌ REFUND_FAILED	Initiate Refund for Payment with amount not compeltely refunded	Error with refund status of payment
2	Refund Time Limit Exceeded	ACH + ACH	COMPLETED	Full amount (after 180 days)	❌ REFUND_FAILED	❌ REFUND_FAILED	None