Refunds and disputes

How refunds are requested and completed, and how to respond to disputes.

Refunds

  1. Request from a payment's page, or POST /v1/refund-requests with an idempotency key.
  2. Authorization — confirmed before anything is sent to the provider.
  3. Provider submission → Pending → Completed or Failed.
  4. Customer notification and reconciliation are recorded.

Refunds cannot exceed the amount paid less earlier refunds; simultaneous requests are checked under a lock.

Stablecoin refunds go to a destination the customer confirms — not automatically to the sending address, which may belong to an exchange.

Disputes

  • You get the reason, amount and deadline.
  • Complete the evidence checklist and submit before the deadline.
  • The card issuer decides through the provider. Orion records the outcome and adjustment.
  • Missed deadlines usually lose.
  • Stablecoin settlement does not remove card dispute obligations.