# Send an unreferenced refund to a customer’s bank account

Send an unreferenced refund to a customer's bank account by posting to the Bank Transfer Refunds endpoint without a paymentId.

**Prerequisites:** [Authentication](/api/authentication)

**Note:** Only certain merchant accounts can send unreferenced refunds.

A merchant can refund a payment to a customer's bank account without a paymentId by running an unreferenced refund.

<a id="integration-steps"></a>
## Integration steps

**Step 1.** Refund the payment.

<a id="before-you-begin"></a>
## Before you begin

[Authenticate your requests](/api/authentication) before making API calls. If your request fails, see [Errors](/api/errors).

<a id="step-1-refund-the-payment"></a>
## Step 1. Refund the payment

To refund a bank transfer payment, send a POST request to the Bank Transfer Refunds endpoint.

| Environment | URL |
| --- | --- |
| Test | [https://api.uat.payroc.com/v1/bank-transfer-refunds](https://api.uat.payroc.com/v1/bank-transfer-refunds) |
| Production | [https://api.payroc.com/v1/bank-transfer-refunds](https://api.payroc.com/v1/bank-transfer-refunds) |

<a id="request-parameters"></a>
### Request parameters

To create the body of your request, use the following parameters:

<a id="schema-requestbody"></a>
### Schema (`request.body`)

[Request body schema for `POST /bank-transfer-refunds`](/api/bank-transfer-unreferenced-refund)

<a id="example-request"></a>
### Example request

<a id="request"></a>
### Request

POST [https://api.payroc.com/v1/bank-transfer-refunds](https://api.payroc.com/v1/bank-transfer-refunds)

**`Bank Transfer Unreferenced Refund`**

```curl
curl -X POST https://api.payroc.com/v1/bank-transfer-refunds \
     -H "Idempotency-Key: 8e03978e-40d5-43e8-bc93-6894a57f9324" \
     -H "Authorization: Bearer <token>" \
     -H "Content-Type: application/json" \
     -d '{
  "processingTerminalId": "1234001",
  "order": {
    "orderId": "OrderRef6543",
    "description": "Refund for order OrderRef6543",
    "amount": 4999,
    "currency": "USD"
  },
  "refundMethod": {
    "type": "ach",
    "accountNumber": "1234567890",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "123456789",
    "accountType": "checking",
    "secCode": "web"
  },
  "customer": {
    "notificationLanguage": "en",
    "contactMethods": [
      {
        "type": "email",
        "value": "sarah.hopper@example.com"
      }
    ]
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}'
```

**`Bank Transfer Unreferenced Refund`**

```python
import requests

url = "https://api.payroc.com/v1/bank-transfer-refunds"

payload = {
    "processingTerminalId": "1234001",
    "order": {
        "orderId": "OrderRef6543",
        "description": "Refund for order OrderRef6543",
        "amount": 4999,
        "currency": "USD"
    },
    "refundMethod": {
        "type": "ach",
        "accountNumber": "1234567890",
        "nameOnAccount": "Sarah Hazel Hopper",
        "routingNumber": "123456789",
        "accountType": "checking",
        "secCode": "web"
    },
    "customer": {
        "notificationLanguage": "en",
        "contactMethods": [
            {
                "type": "email",
                "value": "sarah.hopper@example.com"
            }
        ]
    },
    "customFields": [
        {
            "name": "yourCustomField",
            "value": "abc123"
        }
    ]
}
headers = {
    "Idempotency-Key": "8e03978e-40d5-43e8-bc93-6894a57f9324",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

**`Bank Transfer Unreferenced Refund`**

```javascript
const url = 'https://api.payroc.com/v1/bank-transfer-refunds';
const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '8e03978e-40d5-43e8-bc93-6894a57f9324',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: '{"processingTerminalId":"1234001","order":{"orderId":"OrderRef6543","description":"Refund for order OrderRef6543","amount":4999,"currency":"USD"},"refundMethod":{"type":"ach","accountNumber":"1234567890","nameOnAccount":"Sarah Hazel Hopper","routingNumber":"123456789","accountType":"checking","secCode":"web"},"customer":{"notificationLanguage":"en","contactMethods":[{"type":"email","value":"sarah.hopper@example.com"}]},"customFields":[{"name":"yourCustomField","value":"abc123"}]}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

**`Bank Transfer Unreferenced Refund`**

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.payroc.com/v1/bank-transfer-refunds"

	payload := strings.NewReader("{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"description\": \"Refund for order OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\"\n  },\n  \"refundMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"1234567890\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"123456789\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"sarah.hopper@example.com\"\n      }\n    ]\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

**`Bank Transfer Unreferenced Refund`**

```ruby
require 'uri'
require 'net/http'

url = URI("https://api.payroc.com/v1/bank-transfer-refunds")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Idempotency-Key"] = '8e03978e-40d5-43e8-bc93-6894a57f9324'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"description\": \"Refund for order OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\"\n  },\n  \"refundMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"1234567890\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"123456789\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"sarah.hopper@example.com\"\n      }\n    ]\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body
```

**`Bank Transfer Unreferenced Refund`**

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.payroc.com/v1/bank-transfer-refunds")
  .header("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"description\": \"Refund for order OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\"\n  },\n  \"refundMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"1234567890\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"123456789\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"sarah.hopper@example.com\"\n      }\n    ]\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}")
  .asString();
```

**`Bank Transfer Unreferenced Refund`**

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.payroc.com/v1/bank-transfer-refunds', [
  'body' => '{
  "processingTerminalId": "1234001",
  "order": {
    "orderId": "OrderRef6543",
    "description": "Refund for order OrderRef6543",
    "amount": 4999,
    "currency": "USD"
  },
  "refundMethod": {
    "type": "ach",
    "accountNumber": "1234567890",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "123456789",
    "accountType": "checking",
    "secCode": "web"
  },
  "customer": {
    "notificationLanguage": "en",
    "contactMethods": [
      {
        "type": "email",
        "value": "sarah.hopper@example.com"
      }
    ]
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
    'Idempotency-Key' => '8e03978e-40d5-43e8-bc93-6894a57f9324',
  ],
]);

echo $response->getBody();
```

**`Bank Transfer Unreferenced Refund`**

```csharp
using RestSharp;

var client = new RestClient("https://api.payroc.com/v1/bank-transfer-refunds");
var request = new RestRequest(Method.POST);
request.AddHeader("Idempotency-Key", "8e03978e-40d5-43e8-bc93-6894a57f9324");
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"processingTerminalId\": \"1234001\",\n  \"order\": {\n    \"orderId\": \"OrderRef6543\",\n    \"description\": \"Refund for order OrderRef6543\",\n    \"amount\": 4999,\n    \"currency\": \"USD\"\n  },\n  \"refundMethod\": {\n    \"type\": \"ach\",\n    \"accountNumber\": \"1234567890\",\n    \"nameOnAccount\": \"Sarah Hazel Hopper\",\n    \"routingNumber\": \"123456789\",\n    \"accountType\": \"checking\",\n    \"secCode\": \"web\"\n  },\n  \"customer\": {\n    \"notificationLanguage\": \"en\",\n    \"contactMethods\": [\n      {\n        \"type\": \"email\",\n        \"value\": \"sarah.hopper@example.com\"\n      }\n    ]\n  },\n  \"customFields\": [\n    {\n      \"name\": \"yourCustomField\",\n      \"value\": \"abc123\"\n    }\n  ]\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

**`Bank Transfer Unreferenced Refund`**

```swift
import Foundation

let headers = [
  "Idempotency-Key": "8e03978e-40d5-43e8-bc93-6894a57f9324",
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "processingTerminalId": "1234001",
  "order": [
    "orderId": "OrderRef6543",
    "description": "Refund for order OrderRef6543",
    "amount": 4999,
    "currency": "USD"
  ],
  "refundMethod": [
    "type": "ach",
    "accountNumber": "1234567890",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "123456789",
    "accountType": "checking",
    "secCode": "web"
  ],
  "customer": [
    "notificationLanguage": "en",
    "contactMethods": [
      [
        "type": "email",
        "value": "sarah.hopper@example.com"
      ]
    ]
  ],
  "customFields": [
    [
      "name": "yourCustomField",
      "value": "abc123"
    ]
  ]
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.payroc.com/v1/bank-transfer-refunds")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

<a id="response-fields"></a>
### Response fields

If your request is successful, we send the refund to the customer's bank account and return a response. The response contains the following fields:

<a id="schema-responsebody"></a>
### Schema (`response.body`)

[Response body schema for `POST /bank-transfer-refunds`](/api/bank-transfer-unreferenced-refund)

<a id="example-response"></a>
### Example response

<a id="response-201"></a>
### Response (201)

```json
{
  "refundId": "CD3HN88U9F",
  "processingTerminalId": "1234001",
  "order": {
    "orderId": "OrderRef6543",
    "description": "Refund for order OrderRef6543",
    "amount": 4999,
    "currency": "USD",
    "dateTime": "2024-07-02T15:30:00Z"
  },
  "bankAccount": {
    "type": "ach",
    "accountNumber": "****7890",
    "nameOnAccount": "Sarah Hazel Hopper",
    "routingNumber": "*****6789",
    "secCode": "web"
  },
  "transactionResult": {
    "type": "unreferencedRefund",
    "status": "ready",
    "responseCode": "A",
    "authorizedAmount": -4999,
    "currency": "USD",
    "responseMessage": "NoError",
    "processorResponseCode": "0"
  },
  "customer": {
    "notificationLanguage": "en",
    "contactMethods": [
      {
        "type": "email",
        "value": "sarah.hopper@example.com"
      }
    ]
  },
  "customFields": [
    {
      "name": "yourCustomField",
      "value": "abc123"
    }
  ]
}
```