Overview

Merchants can request for certain deposits (deposits to virtual accounts) to be refunded to the depositor. For this to happen, a clear set of refund conditions have to be established. The conditions may range from user verification status to AML review status. A typical example will be when deposits into the virtual accounts come from questionable sources.

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Deposit Review

Merchants are strictly advised to review their deposit sources to ensure that their accounts are not being used as a conduit for illicit funds.
As part of our commitment to law enforcement and AML, we may be required by law to block accounts and restrict access to funds from illicit transactions.

Request Refund from the Merchant Dashboard

The steps below outlines the process of requesting a refund on a transaction,

1. Log into your dashboard
2. Click on transactions on the sidebar and then click on deposits.
3. Proceed to the completed deposit or search for the transaction using the search bar.
4. Click on the three dot icon on the right side of the transaction under the actions column.
5. Click on the request refund option.

The transaction will be refunded. Please note that it may take between 1 to 12 hours for the refund to reflect on the depositors account.

Request Refund via API

To request a refund on Shutterscore, you need to make a request to the Shutterscore transaction refunds API, while passing the transaction reference. The request below demonstrates this process.

{{baseurl}}/v1/merchant/public/transactions/:reference/refund

{
    "status": true,
    "statusCode": 200,
    "message": "Refund processed successfully"
}

{
    "status": false,
    "statusCode": 400,
    "message": "invalid transaction"
}

{
    "status": false,
    "statusCode": 400,
    "message": "only a deposit transaction can be refunded"
}

Refund Errors

1. Invalid Transaction Error

   Occurs when the transaction is a deposit transaction but is either not completed (failed) or has been already refunded

2. Only Deposit Transaction Error

   Occurs when the transaction for which a refund is requested is not a deposit transaction

The error responses are given above.