# Fast refunds

Fast refunds allow for refunds to credit a cardholder's account within 30 minutes, where the account accepts fast funds disbursements.

Prerequisite
To enable this feature, please speak to your Implementation Manager.

## Request

Submit the `fastRefund` object in your full or partial [refund](/products/card-payments/manage-payments##fully-refund-a-payment) request.

Example:


```
{
    "fastRefund": {
        "enabled": true,
        "fallbackToStandard": false
    }
}
```

Recommendation
Submit the `fallbackToStandard` boolean so that a [standard refund](/products/card-payments/manage-payments##fully-refund-a-payment) is attempted if your customer's card does not support fast routing.

## Response

The response message is identical to a standard full or partial refund response.

Refund (Response)
{
  "paymentId": "payqRdrJboocTc1dCVdAu4Vd0",
  "commandId": "cmddn9j_SEC7N4_ynTDRBWc-0",
  "_links": {
    "cardPayments:events": {
      "href": "/payments/events/:linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

## Event webhooks

If you have attempted to send a fast refund,  you receive a `fastRefund` flag in your [`sentForRefund` event](/products/events/openapi/payment/sentforrefundpayment).

If the refund fails you receive a description with the reason for the failure.

#### Example event webhooks

sentForRefund

```{
  "eventId": "bb55ca5a-e05c-47e1-8e94-e88bac1a0a17",
  "eventTimestamp": "2018-06-13T14:18:13.407",
  "eventDetails": {
    "classification": "payment",
    "downstreamReference": "3378792436",
    "transactionReference": "Memory265-13/08/1876",
    "type": "sentForRefund",
    "date": "2025-11-11",
    "reference": "12345",
    "fastRefund": "attempted",
    "amount": {
      "value": 100,
      "currencyCode": "EUR"
    },
    "_links": {
      "payment": {
        "href": ""
      }
    }
```

refundFailed

```
{
 "eventId": "7f1178be-f372-4905-9179-bfea61ca3424",
 "eventTimestamp": "2025-10-17T07:56:45.095376665",
 "eventDetails": {
  "classification": "payment",
  "downstreamReference": "110521164096839",
  "transactionReference": "Memory265-14/08/1876",
  "type": "refundFailed",
  "date": "2025-11-17",
  "refund": {
   "refusal": {
    "code": null,
    "description": "Fast Refund transaction could not be processed by gateway"
   }
  },
  "amount": {
   "value": 10,
   "currencyCode": "GBP"
  },
  "_links": {
   "payment": {
    "href": ""
   }
  }
 }
}
```