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PIK does not have an automated refund mechanism. To refund a customer, initiate a manual payout from your PIK wallet to the customer’s bank account or wallet address.
  1. Call POST /api/v1/payouts with the customer’s destination details and the refund amount.
  2. Set the reference field to include the original payment ID for reconciliation — for example: REFUND-pay_01HXK3...
  3. The standard payout fee applies.
Partial refunds: Use the same process with the partial amount. Overpaid Payments The full received amount is credited to your wallet and the payment is marked overpaid. You are responsible for refunding the excess via a manual payout as described above. Underpaid Payments The received funds are credited to your wallet and the payment is marked underpaid. The original payment request is closed. Create a new payment link for the shortfall, or arrange the difference with your customer separately. Disputes Stablecoin payments (USDT/USDC): On-chain transactions are irreversible. PIK can provide transaction records as supporting evidence. Resolution is between merchant and customer. AUD bank transfer: If a sender’s bank initiates a recall request, PIK will notify you immediately. Do not pay out funds subject to a pending recall. Contact hi@pik.global immediately if you receive a recall notice. Suspected fraud: Contact hi@pik.global immediately with the transaction ID.