# Refund a customer's bank account (ACH) with no originating payment reference.

Refund a customer's bank account (ACH) with no originating payment reference.

1. Issues an unreferenced bank-transfer refund (POST /bank-transfer-refunds). There is no `channel` field; supply a `refundMethod` of type `ach` and a customer contact method so the gateway can notify the recipient.
 [bankTransferUnreferencedRefund](/api/bank-transfer-unreferenced-refund)

## Workflow diagram

```mermaid
flowchart TD
  step0["1. unreferenced refund request · API"]
```