⚠️
Note:
We are currently in the pilot phase for this product.
If you are interested in participating in the next stage of our pilot, email [email protected]

Alternatively to regular refunds, you can process unreferenced refunds. This allows you to return funds to a customer without referring to the original transaction.

Activation

To enable unreferenced refunds for your MultiSafepay account, email [email protected] with the following details:

Required Details
Merchant ID
Reason for using unreferenced refunds
Product or service requiring unreferenced refunds
Expected amount of unreferenced refunds per day
Maximum amount per unreferenced refund

Payment flow

This diagram shows the flow for a successful transaction. Click to magnify.

User guide

An unreferenced refund is a payment process where you use the funds from your MultiSafepay account balance to process a refund.

Amount limits

Minimum refund amount: 0,01 EUR
Maximum refund amount: 60 EUR

Maximum amounts can be adjusted. Send a request to [email protected]

How it works

SmartPOS terminals

Prerequisites

On your terminal:

Enable the unreferenced refunds feature.
For Cloud POS payments, additionally enable Cloud mode.

Check the general flow below:

You create an unreferenced refund using one of the following solutions:
- Manual Input
- Cloud POS
- On-same-device third-party applications
The customer presents their card.
The card details are sent to MultiSafepay.
The details are forwarded to the card scheme for authorization, which can be accepted or declined.
Once we receive an authorization response, we forward it to the terminal. The result is displayed on the screen.

To learn how to process unreferenced refunds for each solution, see the steps below:

Manual input

On your terminal, go to Features > Unreferenced refunds.
Enter an amount and click Refund.
The customer presents their card at the terminal to complete the transaction.

Cloud POS

Create an unreferenced refund order. See Cloud POS payment: Unreferenced refunds.
The terminal displays the amount set in the order.
The customer presents their card at the terminal to complete the transaction.

Example request

curl --request POST \
--location 'https://api.multisafepay.com/v1/json/orders?api_key={terminal_group_api_key}'\
--header 'Content-Type: application/json' \
--header 'Accept: application/json' \
--data '{
    "type": "unreferenced_refund",
    "order_id": "order_id_example",
    "gateway": "",
    "currency": "EUR",
    "amount": 100,
    "description": "Example order description",
    "payment_options": {
        "notification_url": "https://www.example.com/client/notification?type=notification",
        "notification_method": "POST"
    },
    "customer": {
        "locale": "nl_NL",
        "phone": "031123123123",
        "email": "[email protected]"
    },
    "gateway_info": {
        "terminal_id": "00000ABC"
    }
}'

Example response

{
    "success": true,
    "data": {
        "order_id": "example_order_id",
        "session_id": "1045QwhsVpUeasAwdaQWGSACAafascdsa1y",
        "payment_url": "https://payv2.multisafepay.com/connect/fsadfwa4234qdejtcadx/?lang=nl_NL",
        "events_token": "eyJhbGciOiJIUzI1NiJ9.eyJleHAiOjE3NTU5NDc4MzUsImdydCI6WyJtYnVzOnNlc3Npb24ub3JkZXIiLCJtYnVzOnNlc3Npb24ucXIiXSwicGlkIjoiMTA0NVF3aHNWcFVeasfd21lR3UXVKYlZBRUZXd1N3bllDMXkiLCJzdWIiOiJwciJ9.bo7saa1rHZoAcdI7DXH0skVx4EMFm7-EM1P1WfoPCJA",
        "events_stream_url": "https://api.multisafepay.com/events/stream/"
    }
}

Native applications

To process unreferenced refunds on your native applications , you must first prepare your backend to handle the payment flow.

For detailed instructions on how to integrate unreferenced refunds, check our GitHub repository .

Once integrated:

From your application, create an unreferenced refund order.
The customer is redirected to the payment app, where the amount is displayed.
They present their card at the terminal to complete the transaction.
They are redirected to your native application.

Web applications

Create an unreferenced refund order from your web application. The URL must contain the refund parameter:

  msp://?amount=1&callback={$callback_url}order_id={$order_id}&refund

The customer is redirected to the payment app, where the amount is displayed.
They present their card at the terminal to complete the transaction.
They are redirected to your web application.

Traditional (CTAP) terminals

The steps to process an unreferenced refund may vary from one terminal model to another. Check the general flow below:

You initiate the refund by introducing the amount on the CTAP terminal.
The customer presents their card.
The card details are sent to MultiSafepay.
The details are forwarded to the card scheme for authorization, which can be accepted or declined.
Once we receive an authorization response, we forward it to the terminal. The result displays on the screen.

Payment statuses

Check the table below to learn more about the different statuses:

Description	Status
The transaction is initiated	`initialized`
The transaction is processing. In this status: • The refund is guaranteed • You can still cancel the refund via your MultiSafepay dashboard.	`reserved`
The transaction is completed and the funds are settled	`completed`
The transaction was declined	`declined`

Updates

Check the table below to learn more about how to receive updates for unreferenced refunds:

Terminal	How to handle notifications
SmartPOS	To receive order updates, set up a webhook . For cloud mode, you can also subscribe to our event notifications.
CTAP	Make a Get order request. Retrieve the details from the response.

You can also set up a webhook for your transactions.

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