If you want to recall (refund) a payment, which was created by your Platform (debiting your BaaS Client(s)), we offer recall payment endpoint.
This endpoint allows you to recall a payment that was created & completed by your platform. There are a few rules to note:
Payment, which is being recalled, must be created by you as a BaaS Partner. Also, only completed ("transactionStatus": "ACSC" ) and internal payments ("paymentRail": "INTERNAL") can be recalled. And lastly, you, as a BaaS partner, need to have access to "creditorAccount.iban" of the original payment, which is being recalled. In other words, "creditorAccount.iban" of the payment, that is being recalled, must be your BaaS Client IBAN.
Recall payment must be initiated and then authorized. Before initiating a recall payment, please ensure that your Access token as BaaS Partner has ob-baas-ps and ob-baas-ps:authz-nosca scope in it.
In this flow, recall payments are carried out without explicit SCA/MFA authorization, therefore you need to have ob-baas-ps:authz-nosca scope in the token.
Recall payment API (BaaS) is here.
Tip! Payment, which is being recalled, must be created by you as a BaaS Partner.
Only completed ("transactionStatus": "ACSC" ) payments can be recalled.
Only internal payments ("paymentRail": "INTERNAL") can be recalled.
You, as a BaaS partner, need to have access to "creditorAccount.iban" of the original payment, which is being recalled. In other words, "creditorAccount.iban" of the original payment, which is being recalled, must be your BaaS Client IBAN.