> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pik.global/llms.txt
> Use this file to discover all available pages before exploring further.

# How to Issue a Refund

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](mailto:hi@pik.global) immediately if you receive a recall notice.

Suspected fraud: Contact [hi@pik.global](mailto:hi@pik.global) immediately with the transaction ID.