Bank Transfer Refunds

How it works

When the payor’s bank transfer qualifies as a SEPA Credit Transfer (standard or instant) under our eligibility rules, you can request an automatic refund.

• Via API: Use the Refunds endpoint to initiate your refund.
• Via Dashboard: Submit your refund directly in the Lemonway Dashboard.

Once approved, funds will be returned to the payor within 2–3 business days.

If the transfer is not eligible for an automatic refund, you must perform an outgoing transfer. Detailed steps are available in our P2P Transfers article.

This refund feature applies to all wire-transfer products, including:

• Standard bank transfers
• Virtual IBAN transfers
• PayByBank transfers

Eligibility Rules

A wire-transfer deposit is refundable only if all of the following are true:

1. Debtor’s name is on file with Lemonway.
2. Debtor’s bank account number is known.
3. Debtor’s BIC/SWIFT code is provided.
4. The original payment was sent by the payer as either a SEPA Credit Transfer or an Instant SEPA Credit Transfer.
5. The deposit was posted to the partner’s system within the last 365 days.
6. The Money-In transaction is marked Completed, and no part of it has already been refunded or reversed via chargeback.

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Note

If any of these conditions are not met, the refund request will be declined, and you’ll receive an error explaining why.

Refund Options

Lemonway customers have access to the following refund types:

• Full refund: The entire amount of the original Money-In transfer is refunded.
• Partial refund: Only a portion of the original amount is refunded.
• Multiple refunds: Several partial refunds can be issued, as long as their total doesn’t exceed the original transaction amount.