Refund flow

Question:

Is there a refund/reversal API? How does the flow work when:

• The payout fails after we've already received the user's funds;

• Client fraud occurs;

• The reference is wrong or missing;

• Disputes or chargebacks arise.

Also:

• Under what conditions does a refund happen automatically vs. requiring manual trigger? (e.g., automatic on bank rejection, manual via API, manual via support)

• When a refund occurs, what happens to the crypto/stablecoin side of the transaction? Are the tokens automatically credited back to our account, or do we need to request that separately?

• Is there an API endpoint to trigger a refund manually?

• What are the possible failure/refund reasons returned? (e.g., wrong account, bank rejection, compliance hold, beneficiary name mismatch)

Why this matters for us: we need to understand the exact refund behavior to design our recovery flow and avoid double-crediting the end user on our side.

Answer:

Failed or returned payouts (invalid account, bank rejection): funds automatically return to the originating account and a failed/returned webhook fires with the bank's reason code (e.g. ACH return codes). Because fiat payouts are funded from your USDC balance, a failed fiat payout re-credits the stablecoin side automatically — no separate request needed.

Manual cases (client fraud, wrong/missing reference, disputes): refunds are triggered via API as a payout back to the originator, with a support/compliance escalation path for held funds. Surfaced reasons include bank return codes, compliance_hold, invalid_account, and beneficiary name mismatch. 

Note there is no card-style chargeback exposure on these rails — ACH pull is intentionally not enabled.