> ## Documentation Index
> Fetch the complete documentation index at: https://docs.commercepay.asia/llms.txt
> Use this file to discover all available pages before exploring further.

# Refund Integration

> Initiate full or partial refunds for successful payment transactions.

## Overview

The Refund API allows merchants to initiate refunds for successful payment transactions through CommercePay.

Depending on the participating bank's capabilities, merchants may be able to perform:

* **Full Refund** – Refund the entire transaction amount.
* **Partial Refund** – Refund a portion of the original transaction amount.

<Note>
  Refund support varies by participating bank and payment channel.
</Note>

## Refund Types

<CardGroup cols={2}>
  <Card title="Full Refund" icon="receipt-refund">
    A Full Refund returns the entire amount of the original transaction to the customer.

    **Example**

    | Original Transaction Amount | Refund Amount |
    | --------------------------- | ------------- |
    | RM100.00                    | RM100.00      |
  </Card>

  <Card title="Partial Refund" icon="percentage">
    A Partial Refund returns only a portion of the original transaction amount.

    **Example**

    | Original Transaction Amount | Refund Amount |
    | --------------------------- | ------------- |
    | RM100.00                    | RM30.00       |

    The remaining balance (RM70.00) remains retained from the original transaction.

    <Note>
      Partial refund support is dependent on the participating bank.
    </Note>
  </Card>
</CardGroup>

## Refund Support by Participating Bank

The following information has been gathered from participating banks on a best-effort basis and is subject to change without prior notice.

| BANK                                             | FULL REFUND | PARTIAL REFUND |
| ------------------------------------------------ | :---------: | :------------: |
| BSN                                              |      ✅      |        ❌       |
| Ryt Bank (YTL)                                   |      ❌      |        ❌       |
| Public Bank Berhad (PBB)                         |      ✅      |        ❌       |
| Koperasi Co-opbank Pertama Malaysia Berhad (CBP) |      ✅      |        ❌       |

<Warning>
  #### Important

  Participating banks may introduce enhancements or changes to their refund capabilities without notifying CommercePay. Refund behaviour should always be validated during integration and testing.
</Warning>

## Cross-Border Transactions

### Unsupported Refund Scenario

API refunds are currently **not supported for cross-border transactions**.

Merchants are advised to contact CommercePay Support should a refund be required for a cross-border payment.

<Warning>
  #### Limitation

  Cross-border transactions do not support refund requests via API.
</Warning>

## Important Considerations

### Bank-Dependent Capabilities

Refund processing capabilities are controlled by the participating bank. CommercePay facilitates the refund request but does not determine whether a particular bank supports:

* Full refunds
* Partial refunds
* Multiple refund attempts

### Future Enhancements

Banks may introduce new refund features or modify existing refund capabilities at any time.

As such, merchants should not assume refund support remains unchanged indefinitely.

### Recommended Merchant Handling

CommercePay recommends that merchants:

1. Validate refund requirements before initiating a refund request.
2. Handle refund failures gracefully within their application.
3. Inform customers that refund completion times may vary depending on the bank's processing timeline.
4. Periodically review CommercePay documentation for updates.