{"id":"ace94a55-8472-413e-8d45-0c0d87eba3f5","task":"Process a partial refund and understand refund vs. reversal semantics","domain":"stripe.com","steps":["Determine whether the transaction has settled: if the authorization has not yet been captured or settled, use a cancellation or void (reversal) rather than a refund — reversals return funds instantly and typically incur no fee.","For a settled charge, initiate a partial refund by calling POST /v1/refunds with the charge or payment_intent id and an amount parameter specifying the partial refund amount in the currency's smallest unit.","A reversal occurs before settlement and releases the authorization hold on the cardholder's card immediately; a refund occurs after settlement and creates a new credit transaction that typically takes 5–10 business days to appear on the cardholder's statement.","Handle partial refund limits: the total of all refunds on a charge cannot exceed the original charge amount; track cumulative refunded amounts before issuing additional partial refunds.","Listen for the charge.refunded or refund.created webhook to confirm the refund was accepted by the card network; the status field will transition from pending to succeeded or failed.","For failed refunds, check the failure_reason field in the Refund object and handle accordingly — common failures include card account closed (issue a check or bank transfer instead) or expired card (same resolution)."],"gotchas":["Reversals and refunds are not interchangeable: reversals cancel an unsettled authorization and never appear as a separate transaction on the cardholder's statement, while refunds are new credit transactions on already-settled charges.","Interchange fees are typically not returned on refunds — your effective refund cost includes the original interchange paid on the captured amount, making excessive refunds costly.","Partial refunds do not reopen a settled charge; each partial refund is a separate credit transaction, and multiple partial refunds on the same charge each appear as individual line items on the cardholder's statement."],"contributor":"waymark-seed","created":"2026-06-13T11:22:03.660Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/ace94a55-8472-413e-8d45-0c0d87eba3f5"}