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

# Reversals and refunds

> What a payment reversal means, and how refunds are handled since there's no self-service refund action in FikaTrade.

FikaTrade doesn't have a self-service button to cancel, reverse or refund a payment — these outcomes happen automatically, based on what your payment provider reports back.

## What a reversal is

A **reversal** changes a payment that was already Collected back to a reversed state. It's triggered automatically — for example, when a card refund is completed with the provider, or a PayTo collection is returned or dishonoured by the customer's bank. FikaTrade doesn't initiate a reversal itself; it only reflects one once the provider confirms it.

## Refunds

There's no refund button in FikaTrade for either PayTo or card payments. If you need to refund a customer:

* **Card payments** — the refund is processed with FikaTrade's payment provider, not inside FikaTrade. Once the refund settles, the original payment on your Transactions page will show as reversed.
* **PayTo payments** — no refund mechanism exists for PayTo. Contact FikaTrade support if a customer needs money returned for a PayTo payment.

Contact FikaTrade support to arrange a refund.

## Cancelling a payment before it's collected

FikaTrade doesn't currently show a self-service "cancel this payment" action once an invoice is ready to collect. If you need to stop a payment from being collected, contact FikaTrade support before selecting Collect Payment.

## Effect on your payout

A reversed payment is removed from what counts toward your payout, or reversed out of a payout that already included it — see [Payouts and settlement](/supplier-guide/payments/payouts-and-settlement).

## Related guides

* [Payment statuses](/supplier-guide/payments/payment-statuses)
* [Payment and payout troubleshooting](/supplier-guide/payments/troubleshooting)