PurchaseRefund - Unreconciled Refunds

What is an Unreconciled Refund?

An unreconciled refund occurs when the amount of a transaction is reimbursed without the refund being directly linked to the original transaction in the system. In other words, the reimbursement is performed through a new financial movement, and not as a direct reversal of the original purchase.

In these cases, only a purchaseRefund event is registered, without the context of the previous purchase (such as the associated purchaseId or endToEndId).

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How to Identify an Unreconciled Refund?

You can identify this type of refund by observing the following signs:

• There is a single purchaseRefund record (with no associated original transaction).
• The original transaction does not appear linked to the refund in the history or in the event payload.
• The purchaseRefund field appears isolated, with the original associated data missing.

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How to Confirm that the Refund Belongs to a Specific Transaction?

To validate that the purchaseRefund refers to a specific transaction, you can cross-reference the following data between the purchase and the refund:

• merchantName (merchant name)
• amount (transaction amount)
• issuingCardId (ID of the card used)
• holderId (ID of the cardholder)

The combination of these elements helps ensure that the refund event corresponds to the original purchase, even without a direct link between the registered objects.

This type of reimbursement is not a system error or failure; it depends on how the merchant performed the refund process.

The recommendation is to always validate the transactional data mentioned above when in doubt about the origin of a purchaseRefund.

If you still have questions, speak to our support team.