# Phase 14.6 — Refunds & Reversals

| Field | Value |
| --- | --- |
| Identifier | `payment-14.6` |
| Implementation Priority | **LATER** |
| Status | Planned |
| Service | `payment` |
| Depends On | `payment-14.5` |

> Full specification: [payment-roadmap.md](../../payment-roadmap.md#phase-14-6--refunds--reversals)

## Purpose

Full and partial refunds via PSP adapters with idempotency and ledger reversal entries.

## Business Scope

Merchant-initiated refunds; status tracking; payer notify via Communication.

## Technical Scope

RefundRequest, RefundStatusHistory, ledger reversal entries. Adapter `refund_payment()`.

## Dependencies

`payment-14.5`, Communication client

## Out of Scope

Chargeback disputes; Accounting credit notes (14.9 intents).

## Capabilities

`payment.refunds`

## Permissions

`payment.refunds.view|create|manage`

## Events

`payment.refund.requested|succeeded|failed`

## API Contracts

POST/GET `/api/v1/refund-requests`

## Data Ownership

Payment owns refunds; vertical owns RMA/return ref.

## Provider Ownership

PSP refund APIs via adapters.

## Integration Rules

Refund requires paid transaction; idempotent refund keys.

## Quality Gates

Partial refund math, failure handling, ledger integrity.

## Definition of Done

Mock refund with reversal and events.

## Future Compatibility

Multi-currency refund; facilitator fee reversal lines.
