> ## 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.

# Refund

> Webhook payload for refunds of a collection back to source

Blaaiz sends a refund webhook when you refund a collection back to its original sender. The refund unwinds a collection, so Blaaiz delivers the webhook to your `collection_url`.

## When it fires

Blaaiz delivers a refund webhook at each stage of the refund lifecycle:

| Stage      | Wire `type`        | `status`     | Meaning                                                |
| :--------- | :----------------- | :----------- | :----------------------------------------------------- |
| Initiation | `refund_initiated` | `processing` | Blaaiz started the refund and sent it to the provider. |
| Success    | `refund`           | `successful` | The provider returned the funds to the sender.         |
| Failure    | `refund`           | `failed`     | The refund failed. See `failure_reason`.               |

<Note>
  The wire `type` is `refund_initiated` for the first delivery and `refund` for the
  final delivery. Use the `status` field to tell a successful refund from a failed one.
</Note>

## Parameters overview

| Parameter              | Description                                                                        |
| :--------------------- | :--------------------------------------------------------------------------------- |
| `type`                 | The webhook type. `refund_initiated` at initiation, `refund` at the final stage.   |
| `refund_id`            | The unique identifier of the refund.                                               |
| `reference`            | The idempotency key you sent when you started the refund. `null` if you sent none. |
| `transaction_id`       | The transaction ID of the collection that was refunded.                            |
| `collection_reference` | The reference of the collection that was refunded.                                 |
| `business_customer_id` | The business customer that owns the refunded collection.                           |
| `amount`               | The refunded amount. Always the full original collection amount.                   |
| `currency`             | The currency of the refund (EUR or GBP).                                           |
| `status`               | The refund status. One of `processing`, `successful`, or `failed`.                 |
| `failure_reason`       | The reason the refund failed. Set only when `status` is `failed`.                  |
| `created_at`           | The refund creation time (ISO 8601).                                               |
| `updated_at`           | The refund last-update time (ISO 8601).                                            |
| `event_id`             | A unique identifier for this webhook event.                                        |

## Example payload — successful refund

```json theme={null}
{
  "type": "refund",
  "refund_id": "a1f7c9e2-4b3d-4c8a-9f2e-7d6b5a4c3e21",
  "reference": "refund-order-8842",
  "transaction_id": "9d4c4ec5-59ea-4130-bf8a-6a5edec401ee",
  "collection_reference": "cj-collection-reference",
  "business_customer_id": "6c258e65-de94-4d9d-87fb-117480a9d0e7",
  "amount": 500.0,
  "currency": "GBP",
  "status": "successful",
  "failure_reason": null,
  "created_at": "2026-08-03T10:15:00+00:00",
  "updated_at": "2026-08-03T10:22:40+00:00",
  "event_id": "9d46a6c7-fbb4-48f0-912c-4f9611fe5844"
}
```

## Example payload — failed refund

A failed refund carries `status` set to `failed` and a `failure_reason`. Blaaiz handles the funds. You do not need to retry the refund.

```json theme={null}
{
  "type": "refund",
  "refund_id": "a1f7c9e2-4b3d-4c8a-9f2e-7d6b5a4c3e21",
  "reference": "refund-order-8842",
  "transaction_id": "9d4c4ec5-59ea-4130-bf8a-6a5edec401ee",
  "collection_reference": "cj-collection-reference",
  "business_customer_id": "6c258e65-de94-4d9d-87fb-117480a9d0e7",
  "amount": 500.0,
  "currency": "GBP",
  "status": "failed",
  "failure_reason": "Declined by the payer bank",
  "created_at": "2026-08-03T10:15:00+00:00",
  "updated_at": "2026-08-03T10:31:12+00:00",
  "event_id": "b28f1d4a-77c2-4e0b-9a31-2f5c8e6d1a90"
}
```

## Signature verification

Blaaiz signs every refund webhook with your webhook `signing_secret`. Verify the `x-blaaiz-signature` header before you process the payload. See [Signature verification](/guides/webhooks/signature-verification/overview).

## Related pages

* [Refunding a collection](/guides/refunding-a-collection) — rules and lifecycle.
* [Initiate a refund](/api-reference/refund/create) — start a refund.
* [Get a refund](/api-reference/refund/get) — read a refund status.