Fraud Refund

The Fraud Refund module allows you to manage automatic refunds to customers affected by fraudulent transactions. DGuard processes refunds instantly directly to the customer's account.

Features

Instant Refunds

Less than 30 seconds

Direct Integration

With local payment systems

Complete Traceability

Full process tracking

Real-time Webhooks

Instant notifications

Refund States

pending

Request received, pending processing

processing

Transfer in process

completed

Refund completed successfully

cancelled

Cancelled by request or review

voided

Voided (fraud not confirmed, data error)

Request Refund

POST /refund/request

Request Example

{
  "transaction_id": "txn_abc123",
  "alert_id": "alert_xyz789",
  "refund": {
    "amount": 5234.00,
    "currency": "EUR",
    "reason": "confirmed_fraud",
    "description": "Unauthorized transaction by client"
  },
  "beneficiary": {
    "user_id": "usr_123456",
    "account_id": "acc_789012",
    "name": "Juan García López",
    "account_number": "JO94CBJO0010000000000131000302",
    "bank_code": "UBSIJOAXXXX"
  }
}

Response Example

{
  "refund_id": "ref_abc123xyz",
  "status": "pending",
  "transaction_id": "txn_abc123",
  "amount": 5234.00,
  "currency": "EUR",
  "beneficiary": {
    "name": "Juan García López",
    "account_masked": "JO94****0302"
  },
  "created_at": "2025-01-14T17:30:00Z",
  "estimated_completion": "2025-01-14T17:31:00Z",
  "tracking": {
    "reference": "DGUARD-REF-20250114-001234",
    "trace_id": "trc_xyz789"
  }
}

Check Refund Status

GET /refund/{refund_id}

Completed Response

{
  "refund_id": "ref_abc123xyz",
  "status": "completed",
  "transaction_id": "txn_abc123",
  "amount": 5234.00,
  "currency": "EUR",
  "completion": {
    "completed_at": "2025-01-14T17:30:18Z",
    "reference": "CLIQ-20250114-789012",
    "processing_time_seconds": 18
  }
}

Refund Reasons

confirmed_fraudFraud confirmed by client

unauthorized_transactionUnauthorized transaction

account_takeoverCompromised account

card_stolenStolen card

phishing_victimPhishing victim

otherOther reason (specify in description)