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

# Request a refund V1

Use refunds when you need to send money back to someone who has made a payment.

Important information to remember about refunds:

- A payout can only be made based on the ID of an original payment that you have received. This is identified by either the paymentId or endToEndId of the original payment.

- You can only make a payout request after 15 minutes has passed since the initial payment.

## Send a refund request

To send a refund, use `POST pisp/payment/refund` .

You must include:

- paymentIdentifiers : A way to identify the payment. Must be either:
  - endToEndId : The unique identifier you allocated to the original payment.
  - paymentId : The unique identifier automatically allocated to the original payment.

- amount : The amount of the refund. This cannot exceed the original payment amount.

- reason : A description of the reason for the refund. Must be one of:
  - REQUESTED_BY_CUSTOMER
  - DUPLICATE_PAYMENT
  - OTHER

- mode : The speed the refund must be processed. Must be either:
  - INSTANT
  - NORMAL

```json
{
  "paymentIdentifiers": {
    "endToEndId": "123123123"
  },
  "amount": {
    "amount": 10,
    "currency": "GBP"
  },
  "reason": "REQUESTED_BY_CUSTOMER",
  "mode": "INSTANT"
}
```

```json
{
  "refund": {
    "refundId": "45f452df-f84a-4fc1-acee-d024f5fede98",
    "status": "PENDING",
    "paymentIdentifiers": {
      "endToEndId": "123123123"
    },
    "amount": {
      "amount": 10,
      "currency": "GBP"
    },
    "reason": "REQUESTED_BY_CUSTOMER",
    "mode": "INSTANT",
    "statusUpdatedAt": "2022-05-31T14:00:57.751Z"
  }
}
```

## Sequence diagram for a refund request

![Manage payouts and refunds API requests sequence diagram](/api/download/en/docs/treasury/pay-by-bank/payment-initiation-service/how-to/payment-initiation-service-v1/manage-refunds-v1-cfs/new-pay-by-bank-payouts-refund-v1.png?type=image)