Refund Event

The refund event type is used when processing a refund for a previous transaction. Monitoring refund events helps detect refund abuse patterns.

Category: Monetary Relevant feedback outcomes: success, fail, fraud, dispute, rejected, refund

note

Chargebacks are not a typical outcome for refund events, since the transaction is already being reversed.

Request Example

POST /api/v1/generic/validate HTTP/1.1
Host: api.sa.mubeen.ai
X-API-Key: <your_key>
Content-Type: application/json

{
  "event_type": "refund",
  "timestamp": "2025-03-16T14:00:00Z",
  "trx_id": "trx_e5f6a7b8c9d0",
  "attempt_id": "att_001",
  "order_id": "order_44321",
  "external_id": "refund_44321",
  "device_id": "fp_789abc0123def456",
  "user_id": "usr_456789",
  "user_email": "[email protected]",
  "full_name": "Sara Al-Qahtani",
  "phone_number": "+965545678901",
  "ip_address": "46.186.33.120",
  "ip_country": "KW",
  "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 14_0) Safari/17.0",
  "payment_method": "Visa",
  "card_bin": "41111111",
  "card_last4": "5678",
  "card_expiry_month": 9,
  "card_expiry_year": 2029,
  "card_fingerprint": "d4e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9",
  "card_brand": "visa",
  "card_issuing_bank": "Bank AlBilad",
  "card_issuer_country": "KW",
  "transaction_amount": 75.00,
  "currency": "USD",
  "account_created_at": "2024-05-20T00:00:00Z",
  "channel": "web",
  "platform": "web"
}

Response Example

{
  "request_id": "e5f6a7b8-c9d0-1234-ef01-456789012cde",
  "decision": "log",
  "risk_score": 5,
  "risk_level": "low"
}

Feedback Examples

Successful Refund

{
  "request_id": "e5f6a7b8-c9d0-1234-ef01-456789012cde",
  "outcome": "success",
  "external_id": "refund_44321"
}

Fraudulent Refund Request

{
  "request_id": "e5f6a7b8-c9d0-1234-ef01-456789012cde",
  "outcome": "fraud",
  "outcome_details": {
    "fraud_type": "refund_abuse",
    "detection_method": "pattern_analysis"
  },
  "external_id": "refund_44321"
}

Key Fields for Refund Events

Field	Importance	Notes
transaction_amount	Required	Refund value
currency	Recommended	Currency code (ISO 4217, e.g., USD). Not enforced by the API. If omitted, the amount is treated as USD, so a non-USD amount is converted wrongly and USD-based rules and reporting will be off
user_id	Required	Customer requesting the refund
card_fingerprint	Recommended	Links refund to original payment card