# Refunds and subscriptions

> Refund records versus refunded money, and reminder-based subscription billing.

_Updated 2026-10-30_

## Refunds are records, not transfers

UPI refunds happen in the merchant’s own UPI app. ToroPay records what you promised to refund, the amount, the reason and when you mark it sent. It does not contact a payment provider and does not move money.

A refund can be linked to an order or a transaction. You cannot record more than the paid amount, and a fully refunded payment cannot be refunded again.

## Refund states

- Pending: recorded, not sent yet.
- Processed: the merchant marked it sent.
- Failed: the attempt is recorded as failed.

## Recording a refund

Use the Refunds page in the dashboard, or POST /api/v1/refunds with an API key or token that has write scope. Listing refunds requires read scope.

When a refund is recorded, the customer can be notified by email or WhatsApp if their contact is saved.

## Subscriptions are reminder links

A plan has a frequency (weekly, monthly or yearly) and a billing day. A daily job creates a fresh one-time payment link for each due cycle.

There is no mandate, eNACH, UPI AutoPay or stored credential. The customer pays each cycle like any other UPI payment.

If the job misses a few cycles, skipped periods are not billed retroactively. The schedule resumes at the next future date.

## Cancelling

A customer can cancel from a tokenized cancel link. Cancelling stops future links; it does not refund past payments.

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Source: https://www.toropay.co.in/docs/refunds-and-subscriptions