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Introduction to the Refund Flow

Introduction​

The Central Bank of Brazil allows that if the Indirect Participant wishes to request back to the account a debited amount in a transaction made via PIX, they can open a Refund Request.

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It is emphasized that only the debited Participant can open a Refund Request. Formally, the Participant who opens a Refund Request is called the requesting_participant.

EnumeratorTranslationDescription
openopenAfter processing the creation of the Refund Request, it remains open at BACEN.
cancelledcancelledThe cancellation of the Refund Request was processed by QI Tech and is cancelled at BACEN.
closedclosedThe closure of the Refund Request was processed by QI Tech and is closed at BACEN.

State Machine Control​

Even though the flow is synchronous, it is necessary to know the possible statuses a Refund Request can have. Below, it is described what the Indirect Participant can expect after opening, cancelling, completing, and receiving a Refund Request.

Participant Opens Refund Request​

The Indirect Participant can request the opening of a refund in two ways:

  • Due to operational error (operational_flaw).
  • Due to an already closed and accepted infraction report (refund_request)
    •

    After opening, the refund status will be open

    Participant Cancels Refund Request​

    After the Participant has opened a Refund Request, it is possible to cancel it if requested. The Indirect Participant will receive a response with the status of cancelled.

    Participant Receives Refund Request​

    Since other Participants can open a Refund Request, it is necessary that the other party involved in the flow can receive it in order to close it. Unlike the Infraction Report, which has an intermediate status of acknowledged, the Indirect Participant will receive, via webhook, a request indicating that there is a Refund Request with the status open. The difference is that, for this request, the Contested Participant is the Indirect Participant.

    Participant Closes Refund Request​

    After QI Tech, via webhook, informs the Indirect Participant that there is an available Refund Request, they can close the report. When the Indirect Participant executes this flow, they will send the closure request to QI Tech and will receive a status of closed.