Refunds

Enabled by Open Banking functionality, Refunds allow a merchant to set the refundAccountRequired flag to ‘true’ on the create smart request or mandate API because they want to facilitate a future refund.

The request for payment has to have been paid or mandate authorised, AND the ASPSP involved supports the sharing of refund data for the data to be made available to Ordo. Once the ASPSP has shared the Payer account details, Ordo will notify the Merchant that the Payer account details have been captured via a webhook notification. Ordo then store the payer’s account details against the original smart request or mandate ID and Biller can retrieve data to make a push payment [either via an Ordo disbursement flow or by making a one-off or batch payment outside of Ordo]

Refunds Process:

Merchant to set the refundAccountRequired flag to ‘true’ on create smart request or mandate API
Payer is redirected to their bank and if the bank supports refundAccountRequired
The Payer is informed that they are sharing their bank account details with Merchant/Ordo
Payer must authorise the payment request
Bank shares the payer account details with Ordo
Ordo store the payer’s account details against the original smart request or mandate ID
Ordo notifies the Merchant via webhooks that the payer account details have been captured.
Merchant can retrieve data via API to make a push payment [either via an Ordo disbursement approach or by making a one-off or batch payment outside of Ordo]

Banks that support Refunds:

Ordo supports refunds with 19 of the banks.

NAME	Refund
Bank of Scotland (Business)	Yes
Bank of Scotland (Personal)	Yes
Barclays Business	Yes
Barclays Corporate	Yes
Barclays Personal	Yes
Barclays Wealth	Yes
Danske Bank	Yes
Danske Bank Business UK	Yes
Halifax Personal	Yes
HSBC Kinetic	Yes
HSBC Personal	Yes
HSBC UK Business	Yes
Lloyds (Business)	Yes
Lloyds (Personal)	Yes
Nationwide	Yes
Natwest	Yes
Royal Bank of Scotland	Yes
Santander	Yes
Ulster Bank (UK)	Yes

Examples

See below for an example GET Payer Refund Request.

GET
https://test.api.ordopay.com/refundAccount/
HTTP/1.1

Headers:
{
  Authorization: Bearer {access_token},
  "Ocp-Apim-Subscription-Key": {subscription_key},
  "participantId": 1234,
  "RefundId":"95a43002-5ba3-44a7-a4e1-cbd50bf5cb70",
  "RefundIdType":"SMARTREQUEST"
  "content-type": "application/json"

Successful response:

{ 
  "schemeName": "SortCodeAccountNumber",
    "accountName": "R Andom",
    "sortCode": "835311",
    "accountNumber": "73460399"
}

Webhook response:

{
  "eventId": "f8813a59-d1b0-41f2-bfcf-58b80af2d399",
  "callBackUrl": "https://webhook.site/b561ed36-eb90-4477-ab80-47de118e4b95",
  "smartRequestId": "95a43002-5ba3-44a7-a4e1-cbd50bf5cb70",
  "status": "REFUND DATA AVAILABLE",
  "updatedDate": "19-05-2023 08:02:13",
  "billerParticipantId": "1234"
}