# Refunds ### Why can't I initiate a refund? Refunds can only be initiated within 90 days of the initial payment. ### **How do I initiate refunds for successful payments?** Refunds can be initiated through our [dashboard](/start-using-the-dashboard/payments-and-refunds/refunds.md) or via [API](/api-resources/payments/refund-a-payment.md). ### **How long does it take to receive refunds?** **For payments collected via Stripe's payment methods** Once refunds are initiated, PaySG immediately forwards the request to Stripe, which submits the refund requests to the payer's bank or card issuer. The payer sees the refund approximately 5 - 10 business days later, depending on the bank or card issuer. **For payments collected via bank PayNow** Refunds are credited back into the payer's account in real-time. ### Can refunds be credited to a different bank account/card from the initial paying bank account/card? No. Refunds will be processed via the payment method that the payment was made by. ### Can PaySG handle refunds for payments that were not collected on PaySG? No, we only process refunds for payments collected via PaySG. ### Are there any charges/fees for refunds? No, there are no additional transaction fees incurred for refunds. ### Does PaySG have a refund API? Yes, we have a [refund API](/api-resources/payments/refund-a-payment.md) available. ### Does PaySG support multiple partial refunds? Yes, we support partial refunds. You may initiate multiple refunds within the remaining refundable amount. Refunds will be processed one at a time. ### Which PayNow payments will automatically be refunded by PaySG? {% hint style="warning" %} This is only applicable to agencies with direct bank integration for PayNow, not Stripe PayNow. {% endhint %} Only the first successful payment that includes (1) the correct reference ID and (2) correct payment amount will be recognised and marked as "paid". The following payments will be automatically refunded: * Payments made with a correct reference ID that matches an expected unpaid payment in PaySG, with an incorrect payment amount. * Payments made with a correct reference ID that matches an expected payment in PaySG, but the payment has already been made (i.e. a duplicate payment). --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://guide.pay.gov.sg/faq/refunds.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.