Enable refund / reversal capabilities

A credit card refund occurs after you make a purchase and then have the purchase amount credited back to your account. Refunds can be made several days/weeks/months after the initial transaction.

A Payment reversal (also "credit card reversal or "reversal payment") is when the funds a cardholder used in a transaction are returned to the cardholder's bank. Reversals can only be made before the funds are cleared by the bank, usually at the end of the day.

Interac refunds are different from other card brand refunds in the sense that they can only be made within 24h of the original purchase.

Reversals are enabled by default, however refunds have to be enabled from the merchant profile in the Handpoint TMS. If refunds are not enabled, all refund attempts will be declined by the Handpoint gateway:

Process a refund/reversal in Integrated mode :

When a terminal is in integrated mode, waiting for a transaction request to come from a separate POS, refund and reversal requests can be sent using the Handpoint cloud API functions :

Windows SDK:
- Reversal: https://developer.handpoint.com/windows/windowstransactions#sale-reversal
- Refund: https://developer.handpoint.com/windows/windowstransactions#refund
JS SDK:
- Reversal: https://developer.handpoint.com/javascript/javascripttransactiontypes#8
- Refund: https://developer.handpoint.com/javascript/javascripttransactiontypes#9

REST API
- Reversal/Refund: https://developer.handpoint.com/restapi/restobjects#operation-types-description

Process a refund/reversal in standalone mode :

In standalone mode the refund / reversal buttons are available when selecting a transaction in the transaction history tab.

Refund/reversal capabilities are protected by a password which is setup by the merchant the first time they use the application.

If a merchant using the Handpoint payments app in integrated mode wants to refund a transaction but the ISV has not integrated the refund/reversal API, they still have the possibility to switch the terminal to standalone to process the refund from the transaction history (as shown above).