# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Initiate a return request

In this tutorial, you will learn how to use the Global Payments 2 API to initiate a payments return for receivables using the original incoming payment reference numbers. By the end of this tutorial, you will know how to: 

- Create a well-formed return request payload.

- Interpret a successful response.

## Before you begin

To use return requests, you will need the following:

- A [registered and fully onboarded](/docs/quick-start) developer account on the J.P. Morgan Payments Developer Portal.

- An active project that provides you with the credentials used to make a request.

- A bank account configured for each country where you want to perform an RTP transaction.

## Send a status request

In this step, you’ll learn how to create and send return requests.

```curl
curl 
  --request POST \
  --url https://api.payments.jpmorgan.com/payment/v2/payments/returns \
  --header 'Accept: application/json' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: 1b036f9c-8c84-4ce6-b1dd-5979472945a1' \
  --header 'Request-Id: 1a2b3c4d-5e6f-7g8h-9i0j-1k2l3m4n5o6p' \
  --data '{
  "paymentType": "RTP",
  "originalPaymentIdentifiers": {
    "bankReferenceNumber": "ABC12346000"
  },
  "paymentIdentifiers": {
    "endToEndId": "RT202109311350000"
  },
  "country": "BR",
  "returnType": "PARTIAL",
  "value": {
    "amount": "50.00",
    "currency": "BRL"
  },
  "additionalInformation": [
    "OrderNumber:OD-1234000"
  ]
}'
```

This example shows how to create a client-iniciated return using the payment ID of the original transaction. 

```curl
curl 
  --request POST \
  --url https://api.payments.jpmorgan.com/payment/v2/payments/returns \
  --header 'Accept: application/json' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: 1b036f9c-8c84-4ce6-b1dd-5979472945a1' \
  --header 'Request-Id: 1a2b3c4d-5e6f-7g8h-9i0j-1k2l3m4n5o6p' \
  --data '{
  "paymentType": "RTP",
  "originalPaymentIdentifiers": {
    "paymentId": "bre4c092-b90d-4b33-bd19-1a3843370bpt"
  },
  "paymentIdentifiers": {
    "endToEndId": "RT202109311350000"
  },
  "country": "BR",
  "returnType": "PARTIAL",
  "value": {
    "amount": "50.00",
    "currency": "BRL"
  },
  "additionalInformation": [
    "OrderNumber:OD-1234000"
  ]
}'
```

The following example shows to process a client-iniciated return using the original incoming payments details, including amount, currency, and value date. 

```curl
--request POST \
  --url https://api.payments.jpmorgan.com/payment/v2/payments/returns \
  --header 'Accept: application/json' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: 1b036f9c-8c84-4ce6-b1dd-5979472945a1' \
  --header 'Request-Id: 1a2b3c4d-5e6f-7g8h-9i0j-1k2l3m4n5o6p' \
  --data '{
  "paymentType": "RTP",
  "originalPaymentIdentifiers": {
    "endToEndId": "RT202109311350000"
    "originalValue": {
       "currency": "BRL",
       "amount": "100.00"
  },
    "valueDate": "2025-04-15",
  },
  "paymentIdentifiers": {
    "endToEndId": "RT202109311350000"
  },
  "country": "BR",
  "returnType": "PARTIAL",
  "value": {
    "amount": "50.00",
    "currency": "BRL"
  },
  "additionalInformation": [
    "OrderNumber:OD-1234000"
  ]
}'
```

## Confirm the response

For all use cases, you should receive a successful response containing a `returnId`. These values can be used to retrieve the status of your request.

## Related

- For more information about return request payment parameters, see [Payment parameters](https://developer.payments.jpmorgan.com/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/payment-parameters#field-details-for-clientinitiated-returns).

- For more information about status responses and error codes supported by the Global Payments 2 API, see [Global Payments 2 status responses and error codes](https://developer.payments.jpmorgan.com/api/treasury/global-payments/global-payments-2/error-codes).

## Next steps

 Learn how to [retrieve the status](https://developer.payments.jpmorgan.com/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/how-to/get-real-time-payments-transaction-status) of your RTP request.