Reversals

A payment UniPay has recorded is never deleted or edited. If it shouldn’t stand — the customer’s bank recalled it, a chargeback was upheld, it was keyed against the wrong account — it is reversed: the payment stays on record, marked reversed, and the bill it paid is owed again.

A reversal is a correction to the record. UniPay doesn’t move money, so any refund to the customer is between you and them.

Who can reverse a payment

Only Axis Solutions operations, and never one person alone:

flowchart LR
    A[Reversal asked for] --> R[Request raised<br/>with a category and reason]
    R --> P{Second person<br/>reviews it}
    P -- Approve --> X[Payment reversed.<br/>Bill owed again.]
    P -- Reject --> N[Nothing changes]
    class X unipay

1. Someone at Axis raises a request for the payment, with a category and a reason. A request is Pending; nothing has changed yet.
2. A different person approves or rejects it. Approval reverses the payment at once. Rejection leaves it as it was.

There’s no API for partners to reverse a payment or raise a request. To ask for one, contact your Axis Solutions contact, as for support, with the payment’s rrn, its billNo, the amount, and why it should be reversed. A payment is reversed once; a payment already reversed, or with a request pending, can’t be asked for again.

Each reversal carries one of these categories:

category	Used for
Dispute	A customer dispute or a chargeback.
Fraud	A fraudulent payment.
BankCorrection	A correction by a bank.
PayoutRejected	A transfer that was rejected.
OperatorError	A payment keyed wrongly.
SystemCorrection	A correction to a system error.

What the payment processor sees

• The bill is owed again. A lookup shows the reversed amount back in remainingBalance, and totalPaid no longer counts it.
• The rrn stays used. Reporting a payment again with the same rrn returns isNewRecord: false and records nothing — the reversed payment still holds it. If the customer pays again, that’s a new payment with a new rrn.
• Day settlements. A reversed payment is owed nothing: leave it out of your transfer. If you include it, its line comes back Reversed — see Day settlements.
• Your administrators see reversals of your payments in the UniPay portal report Payments, reversals & fees.

What the service provider sees

• The payment you collected doesn’t change in the payments feed.
• The reversal arrives in the reversals feed once it is approved, with the paymentId it reverses, its category and reason. Pending and rejected requests never appear. Read it with its own checkpoint and reverse the payment in your own system — see Collect payments.