# Refunds
source: https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/use-cases/refunds/refunds/index.md

## Overview {#overview}

This use case enables the creditor, via the creditor service provider, to initiate a refund request, retrieve refund account details, and obtain refund account advice for payments made via Mastercard. Refunds are supported based on the following scenarios:   

* A debtor may request a refund from the creditor.  
* A creditor may choose to refund the debtor.  
* A refund may be triggered as a result of a disputed transaction.  

## Refund Account Request {#refund-account-request}

The refund account request service allows the creditor service provider to fetch the debtor's account details in order to initiate a refund request. The creditor service provider uses credit transfer real-time payment rails to process the refund to the debtor.

Diagram refunds-request

Following are the execution steps:  

1. The debtor requests a refund to the creditor, and the creditor submits a refund account request to the creditor service provider.   
2. The creditor service provider initiates the refund account request to Mastercard by calling the `/payment-requests/{payment_request_lifecycle_id}/refunds` endpoint.   
3. Mastercard acknowledges the request.   
4. Mastercard forwards the refund account request to the debtor service provider.   
5. The debtor service provider responds with the debtor account to Mastercard by submitting the refund account response.   
6. Mastercard sends the debtor account details to the creditor service provider by initiating `/payment-requests/{payment_request_lifecycle_id}/refunds/{refund_request_lifecycle_id}/advices` endpoint.   
7. The creditor service provider responds to the refund account advice.   
8. The creditor service provider initiates the credit transfer to the debtor using their real-time payment rails and then needs to confirm the refund to Mastercard.   

## Refund Confirmation {#refund-confirmation}

The refund confirmation service allows the creditor service provider to notify Mastercard and the debtor service provider on the status of the refund authorization. The creditor service provider needs to use their real-time payment rails to initiate this credit transfer before calling the refund confirmation service.

Diagram refunds-confirmation

Following are the execution steps:  

1. The creditor service provider initiates a refund payment confirmation to Mastercard by calling the `/payment-requests/{payment_request_lifecycle_id}/refunds/{refund_request_lifecycle_id}/payment-confirmations` endpoint.   
2. Mastercard responds to the confirmation.   
3. Mastercard forwards the refund payment confirmation to the debtor service provider.   
4. The debtor service provider acknowledges.   
5. The creditor service provider notifies the debtor (via the creditor) about the refund status.   

### Additional Information {#additional-information}

1. Look at the [API Reference page](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/api-reference/index.md) for information on how to implement this use case.
2. Look at the [Code and formats](https://developer.mastercard.com/account-to-account-commerce-for-csp/documentation/code-and-formats/index.md) for acknowledgement responses and business rules.