--- title: "Refund to Multiple Accounts" source_url: https://docs.rapyd.net/en/refund-to-multiple-accounts.html lang: en --- # Refund to Multiple Accounts When multiple sellers are involved in a single transaction, you can send a refund from one seller. Rapyd provides a quick and easy method for processing partial refunds of a purchase made by a customer on your eCommerce website. You can make partial refunds multiple times for the same purchase. Refunds are made to the payment method used in the original payment transaction. In this use case, the customer paid by card to multiple sellers (wallets) and a partial refund was made from a specific seller (wallet). > **Note:** > > Only clients with [PCI-DSS](https://docs.rapyd.net/en/glossary.md#UUID-945d98cf-adae-e1cf-2606-c7fae8b4a7e1_dss "Payment Card Industry Data Security Standard") certification can handle personal identifying information for cards. This method is available to merchants who have signed a special agreement with Rapyd. The customer uses a card to buy a speaker and a phone from two sellers on your marketplace website. Later on, the customer requests a partial refund from the seller of the speaker since the speaker wasn't the exact color that was advertised. Your website back end asks Rapyd to process the partial refund from the Wallet of the speaker seller. When the money is returned to the customer's card, Rapyd notifies you that the partial refund was completed successfully. ### Making a Partial Refund Workflow Finding the specific bank transfer payment methods you'll accept and the corresponding required fields that customers fill out is described under How it Works. ### Step 1: Processing the Payment ![process-payment.jpg](image/img-c32163202d2db1a741773fb7272a83c4.jpg) 1. A customer on your marketplace website purchases two products from two different sellers. 2. The website back end asks Rapyd to process the transaction. 3. Rapyd processes the payment. ### Step 2: Processing the Partial Refund ![process-refund-multiple-accounts.jpg](image/img-58c0706fb722c6e40c5f4f08c15ea630.jpg) The customer fills in all the fields required by your website's **Refund Request** page to receive a partial refund from one seller. You have the ID of the transaction and the amount that needs to be refunded. 1. The customer asks the merchant for a partial refund. 2. Your website backend requests Rapyd to process the customer's partial refund. 3. Rapyd processes the refund transaction and notifies you that it was successful and then you send confirmation of the refund to the customer. ### How Refunds to Multiple Accounts Work > **Note:** > > To run the examples of this use case, you must create the following IDs in your own [sandbox](https://docs.rapyd.net/en/glossary.md#UUID-945d98cf-adae-e1cf-2606-c7fae8b4a7e1_sandbox "Sandbox"): > > - 'ewallet' - Run [Create Wallet](https://docs.rapyd.net/en/create-wallet.md "Create Wallet") for the wallet of the seller of the phone. Use the 'id' you get in the response. Repeat for the wallet of the seller of the speaker. ### Find Available Payment Methods Decide which payment methods you'll accept. See [List Payment Methods by Country](https://docs.rapyd.net/en/list-payment-methods-by-country.md "List Payment Methods by Country") . ### List Payment Methods by Country Request Find the required fields that customers must fill in for each payment method. See [Get Payment Method Required Fields](https://docs.rapyd.net/en/get-payment-method-required-fields.md "Get Payment Method Required Fields") . ### Creating the Payment The customer makes these purchases on your marketplace website: - A speaker from one seller for 50.00 USD (U.S. Dollars). - A phone from another seller for 200.00 USD (U.S. Dollars). You ask Rapyd to process the payment. For that, you'll use [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment") with the following parameters: Description of Body Parameters | Body Parameter | Description | | --- | --- | | amount | Enter **250** as the total amount of the payment. | | currency | Enter **USD** as the code for U.S. Dollars. | | payment_method | Enter a 'payment_method' object that has the following fields:...`cvv` - Enter **123**.`name` - Enter **Test User**. - `type` - Enter **us_debit_visa_card** as the type of payment method. - `fields` - Enter an object that has the following fields. The fields are defined in the 'Get Payment Method Required Fields' response for **us_debit_visa_card**. - `number` - Enter **4111111111111111** . - `expiration_month` - Enter **10** - `expiration_year` - Enter **20** - `cvv`- Enter **123**. - `name`- Enter **Test User** . | | ewallets | Enter an array of the following objects: First object: - `ewallet` - Enter the wallet 'id' that you received when you created the speaker seller's wallet in your sandbox. For purposes of this use case lesson, we are using **ewallet_090e1ef18c3aa754fd43cce9ee454858**, which is the wallet ID we created in our sandbox. - `amount` - Enter **50** as the amount to pay the speaker seller Second object: - `ewallet` - Enter the wallet 'id' that you received when you created the speaker seller's wallet in your sandbox. For purposes of this use case lesson, we are using **ewallet_11078019438f943986c1fcfbaba05e13**, which is the wallet ID we created in our sandbox. - `amount` - Enter **200** as the amount to pay the phone seller. | ### Create Payment Request You ask Rapyd to process the payment. - - Request - ``` // Request URL: POST https://sandboxapi.rapyd.net/v1/payments // Message body: { "amount": 250, "currency": "USD", "payment_method": { "type": "us_debit_visa_card", "fields": { "number": "4111111111111111", "expiration_month": "10", "expiration_year": "20", "cvv": "123", "name": "Test User" } }, "ewallets": [ { "ewallet": "ewallet_090e1ef18c3aa754fd43cce9ee454858", "amount": 50 }, { "ewallet": "ewallet_11078019438f943986c1fcfbaba05e13", "amount": 200 } ] } ``` - - .NET Core - ``` using System; using System.Text.Json; namespace RapydApiRequestSample { class Program { static void Main(string[] args) { try { var requestObj = new { amount = 250, currency = "USD", payment_method = new { type = "us_visa_card", number = "4111111111111111", expiration_month = "10", expiration_year = "20", cvv = "123", name = "John Doe", }, ewallets = new Object[] { new { ewallet = "ewallet_090e1ef18c3aa754fd43cce9ee454858", amount = 50 }, new { ewallet = "ewallet_11078019438f943986c1fcfbaba05e13", amount = 200 }, }, }; string request = JsonSerializer.Serialize(requestObj); string result = RapydApiRequestSample.Utilities.MakeRequest("POST", "/v1/payments", request); Console.WriteLine(result); } catch (Exception e) { Console.WriteLine("Error completing request: " + e.Message); } } } } ``` - - Python - ``` from pprint import pprint from utilities import make_request payment_body = { "amount": 250, "currency": "USD", "payment_method": { "type": "us_visa_card", "fields": { "number": "4111111111111111", "expiration_month": "10", "expiration_year": "20", "cvv": "123", "name": "John Doe" } }, "ewallets": [ { "ewallet": "ewallet_090e1ef18c3aa754fd43cce9ee454858", "amount": 50 }, { "ewallet": "ewallet_11078019438f943986c1fcfbaba05e13", "amount": 200 } ] } create_payment_response = make_request(method='post', path='/v1/payments', body=payment_body) pprint(create_payment_response) ``` ### Create Payment Response Let's take a look at the response. - - Response - ``` { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "d584c716-0e2d-47aa-a85d-8e8d99f4ee45" }, "data": { "id": "payment_a257811affe292c98c8bb6693e8b8cf0", "amount": 250, "original_amount": 250, "is_partial": false, "currency_code": "USD", "country_code": "US", "status": "CLO", "description": "", "merchant_reference_id": "", "customer_token": "cus_8aeff2ec08a57b44e4442786276d4ef2", "payment_method": "card_d25e29a0cdb7866766bb2c2528cd49e3", // ... "created_at": 1581246669, "metadata": {}, "failure_code": "", "failure_message": "", "paid": true, "paid_at": 1581246670, // ... "ewallets": [ { "ewallet_id": "ewallet_090e1ef18c3aa754fd43cce9ee454858", "amount": 50, "percent": 20, "refunded_amount": 0 }, { "ewallet_id": "ewallet_11078019438f943986c1fcfbaba05e13", "amount": 200, "percent": 80, "refunded_amount": 0 } ], "payment_method_options": {}, "payment_method_type": "us_debit_visa_card", "payment_method_type_category": "card", // ... } } ``` The `data` section of this response shows that: - The payment `id` is **payment_a257811affe292c98c8bb6693e8b8cf0**. When you run this example in your own sandbox, you will get a different ID, which you will need for a later step in this use case. - The `amount` is **250**. - The `currency` is **USD**. - The `ewallets` object indicates: - An amount of **50** is paid to `ewallet_id` **ewallet_090e1ef18c3aa754fd43cce9ee454858**. - An amount of **200** is paid to `ewallet_id` **ewallet_11078019438f943986c1fcfbaba05e13**. You will use the payment `id` and speaker seller's `ewallet_id` when you ask Rapyd to partially refund the payment of the speaker seller. ### Creating the Refund The customer requests a partial refund from the speaker seller since the speaker wasn't the exact color that was advertised, and your terms of service allow a ten percent partial refund in such circumstances. When the customer requests a partial refund on your website, you ask Rapyd to process the refund. For that, you'll use [Create Refund](https://docs.rapyd.net/en/create-refund.md "Create Refund") with the following parameters: Description of Body Parameters | Body Parameter | Description | | --- | --- | | payment | Enter the payment 'id' that you received when you created the payment in your sandbox. For purposes of this use case lesson, we are using **payment_a257811affe292c98c8bb6693e8b8cf0**, which is the payment ID we created in our sandbox. | | ewallets | Enter an `ewallets` object that has the following fields: - `ewallet` - Enter the wallet 'id' that you received when you created the speaker seller's wallet in your sandbox. For purposes of this use case lesson, we are using **ewallet_090e1ef18c3aa754fd43cce9ee454858**, which is the wallet ID we created in our sandbox. - `amount` - Enter **5** as the amount to refund the customer. | ### Create Refund Request You ask Rapyd to process the refund of the earlier transaction. - - Request - ``` // Request URL: POST https://sandboxapi.rapyd.net/v1/refunds // Message body: { "payment": "payment_a257811affe292c98c8bb6693e8b8cf0", "ewallets": [ { "ewallet": "ewallet_090e1ef18c3aa754fd43cce9ee454858", "amount": 5 } ] } ``` - - .NET Core - ``` using System; using System.Text.Json; namespace RapydApiRequestSample { class Program { static void Main(string[] args) { try { var requestObj = new { payment = "payment_a257811affe292c98c8bb6693e8b8cf0", ewallets = new Object[] { new { ewallet = "ewallet_090e1ef18c3aa754fd43cce9ee454858", amount = 5, } } }; string request = JsonSerializer.Serialize(requestObj); string result = RapydApiRequestSample.Utilities.MakeRequest("POST", "/v1/refunds", request); Console.WriteLine(result); } catch (Exception e) { Console.WriteLine("Error completing request: " + e.Message); } } } } ``` - - JavaScript - ``` const makeRequest = require('../../../../../Utilities/JS/utilities').makeRequest; async function main() { try { const body = { payment: 'payment_a257811affe292c98c8bb6693e8b8cf0', ewallets: [ { ewallet: 'ewallet_090e1ef18c3aa754fd43cce9ee454858', amount: 5 } ] }; const result = await makeRequest('POST', '/v1/refunds', body); console.log(result); } catch (error) { console.error('Error completing request', error); } } ``` - - Python - ``` from pprint import pprint from utilities import make_request refund_body = { "payment": "payment_a257811affe292c98c8bb6693e8b8cf0", "ewallets": [ { "ewallet": "ewallet_090e1ef18c3aa754fd43cce9ee454858", "amount": 5 } ] } create_refund_results = make_request(method='post', path='/v1/refunds', body=refund_body) pprint(create_refund_results) ``` ### Create Refund Response Let's take a look at the response. - - Response - ``` { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "5356d170-951e-44d1-8bd5-fc5c6f110319" }, "data": { "id": "refund_61a4c85a7cf7a7e631e454784ec4c579", "amount": 5, "payment": "payment_a257811affe292c98c8bb6693e8b8cf0", "currency": "USD", "failure_reason": "", "metadata": {}, "reason": "", "status": "Completed", "receipt_number": 0, "created_at": 1581247161, "updated_at": 1581247161, "merchant_reference_id": "", "payment_created_at": 1581246669, "payment_method_type": "us_debit_visa_card", "ewallets": [ { "ewallet": "ewallet_090e1ef18c3aa754fd43cce9ee454858", "amount": 5 } ], "proportional_refund": false } } ``` The `data` section of this response shows: - The `id` of the refund is **refund_61a4c85a7cf7a7e631e454784ec4c579**. - The `amount` is **5**. - The `currency` is **USD**. - The `status` is **Completed**. This means that the refund process is complete. - In the `ewallets` object: The wallet charged is **ewallet_090e1ef18c3aa754fd43cce9ee454858**, the wallet of the speaker seller. > **Note:** > > If the payment was made by cash or a bank redirect, completing the refund process requires the same extra steps as the original payment method. To simulate the action of the customer, run [Complete Refund](https://docs.rapyd.net/en/complete-refund.md "Complete Refund"). > > Rapyd sends a webhook to notify you that the refund transaction is complete. Your website shows the customer a confirmation that the partial refund is complete. ### Viewing Transaction Details To view the details of the payment and the refund, use [Retrieve Payment](https://docs.rapyd.net/en/retrieve-payment.md "Retrieve Payment"). > **Note:** > > Want to see the Rapyd API methods and objects that you'll use? Visit the [Merchant API Reference](https://docs.rapyd.net/en/merchant-api-reference.md "Merchant API Reference") for more technical details.