Fast refund a payment without a reference

Last updated: November 19, 2025

You can process fast refunds without a reference. These refunds are typically processed and completed in 30 minutes or less, if the receiving card is enabled for Fast Funds.

For example, you can use unreferenced fast refunds to:

Process fast refunds for any transaction, including those authorized or captured by Checkout.com.
Refund a payment to a new card, if the original card is no longer valid.

Unreferenced fast refunds are paid directly to the customer's card. For more information, see Funds for card payouts

Information

To enable unreferenced fast refunds, contact your account manager or request support.

Unreferenced fast refunds support the following fund transfer types in the following regions:

Fund transfer type	Supported region
`MI` – Visa faster refunds `C60`– Mastercard fast refund	European Economic Area (EEA) United Kingdom (UK)
`FD` – Visa funds disbursement (payout direct code) `C55`– Mastercard business disbursements (payout send code)	European Economic Area (EEA) Singapore United Arab Emirates (UAE) United Kingdom (UK) United States (US)

Before you begin, ensure that:

The recipient card is eligible for a fast refund.
Your sub-account balance has sufficient funds to cover the refund.

To issue an unreferenced fast refund, call the Request a payment endpoint and:

Set payment_type to UnreferencedRefund.
Provide the account from which to debit the funds in the source field.
Provide the account to credit with the refund in the destination field – You can provide the full card details or a payment instrument ID.
Set processing.processing_speed to fast.
Set instruction.funds_transfer_type to one of these values:
- MI
- FD
- C55
- C60

Information

If you process a Visa MI fund transfer type, you must also set the previous_payment_id field to the Visa transaction ID of the original payment.

If you process a Mastercard C60 fund transfer type, you must refund the payment to the card used in the original payment.

post

https://api.checkout.com/payments


1{
2  "amount": 100,
3  "currency": "GBP",
4  "payment_type": "UnreferencedRefund",
5  "processing": {
6      "processing_speed": "fast"
7  },
8  "instruction": {
9      "funds_transfer_type": "MI"
10  },
11  "processing_channel_id": "pc_xxx",
12  "reference": "REF-FQSGRB",
13  "source": {
14      "type": "currency_account",
15      "id": "ca_xxx"
16  },
17  "destination": {
18      "type": "card",
19      "number": "4111111111111111",
20      "expiry_month": 12,
21      "expiry_year": 2042,
22      "account_holder": {
23          "type": "individual", 
24          "first_name": "John",
25          "last_name": "Doe",
26          "date_of_birth": "2000-01-01",
27          "country_of_birth": "US",
28          "billing_address": {
29              "address_line1": "123 Test St",
30              "city": "London",                
31              "country": "UK"
32          }
33      }
34  },
35  "previous_payment_id": "485182389439120"
36}


1{
2  "amount": 100,
3  "currency": "GBP",
4  "payment_type": "UnreferencedRefund",
5  "processing": {
6      "processing_speed": "fast"
7  },
8  "instruction": {
9      "funds_transfer_type": "FD"
10  },
11  "processing_channel_id": "pc_xxx",
12  "reference": "REF-FQSGRB",
13  "source": {
14      "type": "currency_account",
15      "id": "ca_xxx"
16  },
17  "destination": {
18      "type": "id",
19      "id": "src_nwd3m4in3hkuddfpjsaevunhdy",
20      "account_holder": {
21        "type": "individual",
22        "first_name": "Hannah",
23        "last_name": "Bret"
24      }
25    }
26}


1{
2  "amount": 100,
3  "currency": "GBP",
4  "payment_type": "UnreferencedRefund",
5  "processing": {
6      "processing_speed": "fast"
7  },
8  "instruction": {
9      "funds_transfer_type": "C55"
10  },
11  "processing_channel_id": "pc_xxx",
12  "reference": "REF-FQSGRB",
13  "source": {
14      "type": "currency_account",
15      "id": "ca_xxx"
16  },
17  "destination": {
18    "type": "token",
19    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54",
20    "account_holder": {
21      "type": "individual",
22      "first_name": "Hannah",
23      "last_name": "Bret"
24    }
25  }
26}


1{
2  "amount": 1000,
3  "currency": "USD",
4  "payment_type": "UnreferencedRefund",
5  "processing": {
6      "processing_speed": "fast"
7  },
8  "instruction": {
9      "funds_transfer_type": "C60"
10  },
11  "processing_channel_id": "pc_xxx",
12  "reference": "REF-FQSGRB",
13  "source": {
14      "type": "currency_account",
15      "id": "ca_xxx"
16  },
17  "destination": {
18    "type": "network_token",
19    "token": "4242424242424242",
20    "expiry_month": 12,
21    "expiry_year": 30,
22    "token_type": "vts",
23    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA=",
24    "eci": "05",
25    "account_holder": {
26      "type": "individual",
27      "first_name": "Hannah",
28      "last_name": "Bret"
29    }
30  }
31}


1{
2  "id": "pay_g4blr3juzouutaijarea5hejd4",
3  "status": "Pending",
4  "reference": "REF-FQSGRB",
5  "instruction": {
6    "value_date": "2025-06-12T22:27:42.512594Z"
7  },
8  "_links": {
9    "self": {
10      "href": "https://api.sandbox.checkout.com/payments/pay_g4blr3juzouutaijarea5hejd4"
11    },
12    "actions": {
13      "href": "https://api.sandbox.checkout.com/payments/pay_g4blr3juzouutaijarea5hejd4/actions"
14    }
15  }
16}

Note

You cannot reverse a fast refund.

If you've subscribed to webhooks, you're notified of the final outcome of the fast refund through a webhook containing a response code.

If the fast refund was successful, you receive a Payment approved webhook with the following fields in the webhook body:

"response_code": "10000"
"response_summary": "Approved"

If the fast refund was declined, you receive a Payment declined webhook with the following fields in the webhook body:

response_code – A five-digit code between 50000 - 50399
response_summary – A description of the decline reason

Fast refund a payment without a reference

Information

Eligible payments

Request an unreferenced fast refund

Information

Request example

Response example

Note

Check the outcome of the fast refund