> ## Documentation Index > Fetch the complete documentation index at: https://docs.business.blaaiz.com/llms.txt > Use this file to discover all available pages before exploring further. # Initiate a refund > Refund a collection back to its original sender. Blaaiz refunds the full collection amount only; there is no `amount` field. The collection must belong to one of your business customers, be created through the API, and be a successful EUR or GBP ClearJunction collection. The refund must start within 7 days of the collection. Only one refund attempt is allowed per collection. Pass an optional `reference` as an idempotency key: reusing the same `reference` on the same `transaction_id` returns the same refund instead of creating a second one. Required scope: `refund:create`. ## OpenAPI ````yaml /api-reference/refund/create-openapi.json post /api/external/refund openapi: 3.1.0 info: title: Blaaiz Platform API - Initiate Refund version: 1.0.0 description: >- Refund a collection back to its original sender. Blaaiz refunds the full collection amount only. Refunds are supported for EUR and GBP collections that you created through the API for one of your business customers. A `REFUND` webhook is delivered to your `collection_url` at each stage of the refund lifecycle. servers: - url: https://api-prod.blaaiz.com - url: https://api-dev.blaaiz.com security: [] tags: - name: Refund paths: /api/external/refund: post: tags: - Refund summary: Initiate a refund description: >- Refund a collection back to its original sender. Blaaiz refunds the full collection amount only; there is no `amount` field. The collection must belong to one of your business customers, be created through the API, and be a successful EUR or GBP ClearJunction collection. The refund must start within 7 days of the collection. Only one refund attempt is allowed per collection. Pass an optional `reference` as an idempotency key: reusing the same `reference` on the same `transaction_id` returns the same refund instead of creating a second one. Required scope: `refund:create`. requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/RefundRequest' examples: minimal: summary: Minimal — transaction only value: transaction_id: 9d4c4ec5-59ea-4130-bf8a-6a5edec401ee with_reason_and_reference: summary: With reason and idempotency reference value: transaction_id: 9d4c4ec5-59ea-4130-bf8a-6a5edec401ee reason: Customer cancelled the order reference: refund-order-8842 responses: '200': description: Refund initiated successfully. content: application/json: schema: $ref: '#/components/schemas/RefundResponse' example: message: Refund initiated successfully. data: id: a1f7c9e2-4b3d-4c8a-9f2e-7d6b5a4c3e21 status: PROCESSING type: FULL amount: 500 currency: GBP transaction_id: 9d4c4ec5-59ea-4130-bf8a-6a5edec401ee reference: refund-order-8842 business_customer_id: 6c258e65-de94-4d9d-87fb-117480a9d0e7 refund_reference: cj-refund-3f9a12 failure_reason: null created_at: '2026-08-03T10:15:00.000000Z' updated_at: '2026-08-03T10:15:02.000000Z' '400': description: The collection cannot be refunded. content: application/json: schema: $ref: '#/components/schemas/Error' examples: unsupported_currency: summary: Currency not supported value: message: >- Refunds back to source are only supported for EUR and GBP collections. This transaction is in NGN. not_successful: summary: Collection is not successful value: message: >- Only successful collections can be refunded back to source. This transaction is PENDING. outside_window: summary: Outside the refund window value: message: >- Refunds back to source must start within 7 days of the collection. already_refunded: summary: A refund already exists value: message: A refund has already been started for this collection. reference_conflict: summary: Reference reused on a different transaction value: message: >- This reference was already used for a different transaction. Use a new reference. not_api_transaction: summary: Collection was not created through the API value: message: >- This collection was not created through the API, so it cannot be refunded through the API. not_owned: summary: Collection not found for any of your customers value: message: This collection was not found for any of your customers. '401': description: Unauthorized content: application/json: schema: $ref: '#/components/schemas/Error' example: message: Invalid or missing access token '403': description: The access token does not carry the refund:create scope. content: application/json: schema: $ref: '#/components/schemas/Error' example: message: Invalid scope(s) provided. '404': description: The transaction does not exist. content: application/json: schema: $ref: '#/components/schemas/Error' example: message: >- No query results for model [App\Models\Business\BusinessTransaction]. '422': description: Validation failed. content: application/json: schema: $ref: '#/components/schemas/ValidationError' example: message: The transaction id of the collection to refund is required. errors: transaction_id: - >- The transaction id of the collection to refund is required. security: - oauth2ClientCredentials: - refund:create components: schemas: RefundRequest: type: object properties: transaction_id: type: string description: >- The transaction ID of the collection to refund. The collection must belong to one of your business customers, be created through the API, and be a successful EUR or GBP ClearJunction collection. reason: type: string maxLength: 250 description: >- Optional reason for the refund. Stored against the transaction. Defaults to `Refund of collection to source` when omitted. reference: type: string maxLength: 100 description: >- Optional idempotency key of your choice. Reuse the same `reference` on the same `transaction_id` to safely retry without a second refund. The same `reference` on a different transaction returns a 400 conflict. required: - transaction_id RefundResponse: type: object properties: message: type: string data: $ref: '#/components/schemas/Refund' required: - message - data Error: type: object properties: message: type: string required: - message ValidationError: type: object properties: message: type: string errors: type: object additionalProperties: type: array items: type: string required: - message - errors Refund: type: object properties: id: type: string description: Refund ID. status: type: string description: Refund status. enum: - PENDING - PROCESSING - SUCCESSFUL - FAILED type: type: string description: Refund type. Always `FULL` for refunds to source. enum: - FULL amount: type: - number - 'null' description: The refunded amount. Always the full original collection amount. currency: type: - string - 'null' description: Currency of the refund (EUR or GBP). transaction_id: type: string description: The transaction ID of the collection that was refunded. reference: type: - string - 'null' description: The idempotency key you sent on the request, when supplied. business_customer_id: type: - string - 'null' description: Business customer that owns the refunded collection. refund_reference: type: - string - 'null' description: >- The provider reference for the refund. Populated once the provider accepts the refund. failure_reason: type: - string - 'null' description: Reason the refund failed. Populated only when `status` is `FAILED`. created_at: type: string format: date-time description: Refund creation timestamp. updated_at: type: string format: date-time description: Refund last-update timestamp. required: - id - status - type - amount - currency - transaction_id - reference - business_customer_id - refund_reference - failure_reason - created_at - updated_at securitySchemes: oauth2ClientCredentials: type: oauth2 description: >- Use your OAuth client credentials to obtain a short-lived Bearer token from POST /oauth/token. flows: clientCredentials: tokenUrl: /oauth/token scopes: refund:create: Initiate refunds of business-customer collections to source. ````