Refunds

dpay.pl enables refund processing for completed transactions. Both full refunds and partial refunds are supported. Refunds can be issued programmatically via the API or manually from the admin panel.

Supported payment methods

Method	Full refund	Partial refund
BLIK	Yes	Yes
BLIK BNPL	Yes	Yes
Bank transfers (PBL)	Yes	Yes
Payment cards (Visa / Mastercard)	Yes	Yes
MB WAY	Yes	Yes
PayPo	Yes	No
Twisto	Yes	No

Time limit

A refund can be issued within 180 days of the transaction date. After this period, refunds are no longer possible.

API endpoint

POST https://api-payments.dpay.pl/api/v1/pbl/refund
Content-Type: application/json

Request parameters

Field	Type	Required	Description
service	string	Yes	Service name from the panel
transaction_id	string	Yes	Transaction ID to refund
value	string	No	Refund amount (e.g. "15.00"). If omitted - full refund
checksum	string	Yes	SHA-256 checksum

Partial refund

To issue a partial refund, pass the value parameter with an amount less than the transaction value. The amount must be a non-negative number (e.g. "15.00").

Generating the checksum

The checksum format depends on the refund type.

Full refund

sha256({service}|{transaction_id}|{secret_hash})

Partial refund (with value parameter)

sha256({service}|{transaction_id}|{value}|{secret_hash})

warning

When passing the value parameter, you must include it in the checksum. Using a checksum without value for a partial refund will result in an Invalid checksum error.

PHP

$service = 'abc123';
$transactionId = 'abc-def-123-456';
$secretHash = '9a8b7c6d5e4f3a2b1c0d';

// Full refund
$checksum = hash('sha256',
    $service . '|' . $transactionId . '|' . $secretHash
);

// Partial refund
$value = '15.00';
$checksumPartial = hash('sha256',
    $service . '|' . $transactionId . '|' . $value . '|' . $secretHash
);

JavaScript (Node.js)

const crypto = require('crypto');

const service = 'abc123';
const transactionId = 'abc-def-123-456';
const secretHash = '9a8b7c6d5e4f3a2b1c0d';

// Full refund
const checksum = crypto
  .createHash('sha256')
  .update(`${service}|${transactionId}|${secretHash}`)
  .digest('hex');

// Partial refund
const value = '15.00';
const checksumPartial = crypto
  .createHash('sha256')
  .update(`${service}|${transactionId}|${value}|${secretHash}`)
  .digest('hex');

Python

import hashlib

service = 'abc123'
transaction_id = 'abc-def-123-456'
secret_hash = '9a8b7c6d5e4f3a2b1c0d'

# Full refund
data = f'{service}|{transaction_id}|{secret_hash}'
checksum = hashlib.sha256(data.encode('utf-8')).hexdigest()

# Partial refund
value = '15.00'
data_partial = f'{service}|{transaction_id}|{value}|{secret_hash}'
checksum_partial = hashlib.sha256(data_partial.encode('utf-8')).hexdigest()

Request examples

Full refund - cURL

curl -X POST https://api-payments.dpay.pl/api/v1/pbl/refund \
  -H "Content-Type: application/json" \
  -d '{
    "service": "abc123",
    "transaction_id": "abc-def-123-456",
    "checksum": "e3b0c44298fc1c149afb..."
  }'

Partial refund - cURL

curl -X POST https://api-payments.dpay.pl/api/v1/pbl/refund \
  -H "Content-Type: application/json" \
  -d '{
    "service": "abc123",
    "transaction_id": "abc-def-123-456",
    "value": "15.00",
    "checksum": "a1b2c3d4e5f6..."
  }'

PHP

<?php
$service = getenv('DPAY_SERVICE');
$secretHash = getenv('DPAY_SECRET_HASH');
$transactionId = 'abc-def-123-456';
$value = '15.00'; // null for a full refund

// Generate checksum
if ($value !== null) {
    $checksum = hash('sha256',
        $service . '|' . $transactionId . '|' . $value . '|' . $secretHash
    );
} else {
    $checksum = hash('sha256',
        $service . '|' . $transactionId . '|' . $secretHash
    );
}

$payload = [
    'service'        => $service,
    'transaction_id' => $transactionId,
    'checksum'       => $checksum,
];

if ($value !== null) {
    $payload['value'] = $value;
}

$ch = curl_init('https://api-payments.dpay.pl/api/v1/pbl/refund');
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_POSTFIELDS     => json_encode($payload),
    CURLOPT_HTTPHEADER     => ['Content-Type: application/json'],
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_TIMEOUT        => 30,
]);

$response = curl_exec($ch);
$httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE);
curl_close($ch);

$result = json_decode($response, true);

if ($httpCode === 200 && $result['status'] === 'success') {
    echo 'Refund processed successfully';
} else {
    echo 'Refund error: ' . $result['message'];
}

API response

Success

{
  "status": "success",
  "refund": true,
  "message": "Refund processed successfully"
}

Error

{
  "status": "error",
  "refund": false,
  "message": "Transaction not found"
}

Multiple partial refunds

For methods that support partial refunds (BLIK, cards, MB WAY), you can issue multiple refunds for a single transaction, as long as the total refunded amount does not exceed the original transaction amount.

dpay.pl tracks the cumulative refunded amount in the refunded_amount field. Example:

Operation	Amount	refunded_amount	Remaining
Transaction	100.00 PLN	0.00	100.00
Refund #1	30.00 PLN	30.00	70.00
Refund #2	25.00 PLN	55.00	45.00
Refund #3	45.00 PLN	100.00	0.00

caution

Attempting to refund an amount that exceeds the remaining transaction value will result in an error.

Common errors

Error	Cause	Solution
Transaction not found	The provided transaction_id does not exist	Verify the transaction ID
Invalid checksum	Invalid checksum	Check the field order and Secret Hash. For partial refunds, include value in the checksum
Transaction not eligible for refund	The transaction is not eligible for a refund	Check whether the payment method supports refunds
Refund period expired	The 180-day refund period has been exceeded	Refunds are no longer possible after the time limit
Refund amount exceeds remaining value	The refund amount exceeds the remaining value	Reduce the refund amount

Refunds in the admin panel

You can also issue a refund manually:

1. Log in to panel.dpay.pl.
2. Go to the Transactions section.
3. Find the transaction to refund (use filters or the search bar).
4. Click on the transaction to open its details.
5. Click the Refund button.
6. Select the refund type - full or partial (if available for the given payment method).
7. For a partial refund, enter the amount.
8. Confirm the refund.