Refund

December 27, 2021

 

当交易完成后需要退款时,通常有两种场景:

在 WalletsNet 中,以上两种场景的退款均支持,WalletsNet 一旦收到收款方FI发出的退款报文,则会立即执行退款,退款的特点为:

1. 收款方主动退款

收款人可以主动将收到的付款退给付款人,当:

2. 付款方请求退款,收款方同意

通常情况下都是由付款人向收款人发起退款的请求,比如电商中的退款退货,以下为收款人同意退款的流程,当:

 

3. 付款方请求退款,收款方拒绝

当收款人收到付款人的退款请求,也可以拒绝退款请求,下图为收款人拒绝退款请求的流程

 

4. 付款方请求退款,WalletsNet 驳回

通常驳回的原因有几种:

如果遇到以上几类问题,该退款申请被视为无效,WalletsNet 会直接驳回该消息而不会转发给对方机构

附录(报文样例)

 

pacs.004 报文样例

pacs.004 报文使用场景:

编号发出方收到方备注
1收款方 FIWalletsNet收款方主动退款,发出退款报文
2WalletsNet付款方 FIWalletsNet 转发退款消息(副本)给付款方

以下 pacs.004 message sample 对应的场景为「编号-1」

 

camt.056 报文样例

camt.056 报文使用场景:

编号发出方收到方备注
1付款方 FIWalletsNet付款方发起退款申请
2WalletsNet收款方 FIWalletsNet 转发退款申请给收款方

以下 camt.056 message sample 对应的场景为「编号-2」

💡 如果申请退款,即发起 camt.056,在 CxlRsnInf/Rsn/Cd 中请使用以下代码表示取消交易(或申请退款)的原因:

Reason Code使用者说明ISO Description
CUST申请退款方机构客户申请取消交易(即退款)Requested By Customer
Cancellation requested by the Debtor due to
Debtor’s mistake or error.
DUPL申请退款方机构因重复交易申请取消交易(即退款)Duplicate Payment
Payment is a duplicate of another payment.
FRAD申请退款方机构因欺诈原因申请取消交易(即退款)Fraudulent Origin
Debtor claims payment was unauthorized or
fraudulently induced.
TECH申请退款方机构因技术故障申请取消交易(即退款)Technical Problem
Cancellation requested following technical
problems resulting in an erroneous
transaction.
DS24WalletsNet因超时通知双边交易已被取消Time-out
Waiting time expired due to incomplete
order

 

camt.029 报文样例

camt.029 报文使用场景:

编号发出方收到方备注
1收款方 FIWalletsNet收款方拒绝退款,发出拒绝报文,即 Negative camt.029
2WalletsNet付款方 FIWalletsNet 转发退款拒绝消息(副本)给付款方

以下 camt.029 message sample 对应的场景为「编号-1」

💡 如果拒绝退款,即返回admi.029,在 CxlStsRsnInf/Rsn/Cd 中请使用以下代码:

Reason Code使用者说明ISO Description
AC04收款方机构账号已注销,无法退款Closed Account Number
Account number specified has been closed on the receiver’s books.
AM04收款方机构金额或者币种不对Insufficient Funds
Amount of funds available to cover specified message amount is insufficient.
ARDT收款方机构已退款Already Returned
Cancellation not accepted as the transaction has already been returned.
CUST收款方机构用户拒绝退款Customer Decision
Reported when the cancellation cannot be accepted because of a customer decision
(Creditor).
LEGL收款方机构合规原因Legal Decision
Reported when the cancellation cannot be accepted because of regulatory rules.
NOAS收款方机构用户不响应No Answer From Customer
No response from beneficiary (to the cancellation request).
NOOR收款方机构无原交易No Original Transaction Received
Original transaction (subject to cancellation) never received.

 

admi.002 报文样例

admi.002 报文使用场景:

编号发出方收到方备注
2WalletsNet申请退款方 FIWalletsNet 驳回消息

以下 admi.021 message sample 对应的场景为「编号-1」

💡 如果 WalletsNet 驳回camt.056 或 pacs.004 请求,即返回 admi.002,在 Rsn/RjctgPtyRsn 中会使用以下代码:

Reason Code使用者说明ISO Description
IN01WalletsNet和原始交易不匹配 
IN02WalletsNet原交易收款方不匹配 
IN03WalletsNet原交易付款方不匹配 
IN04WalletsNet原交易金额不匹配 
IN05WalletsNet原交易币种不匹配 
AGNTWalletsNet交易对手方不存在或不允许交易Agent in the payment workflow is incorrect
AM13WalletsNet超出交易限额或流动性不足Transaction amount exceeds limits set by clearing system
AM11WalletsNet币种错误或者不支持Transaction currency is invalid or missing