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

> ## Agent Instructions
> When building application code, use `@naturalpay/sdk` for TypeScript or `naturalpay` for Python.
> When operating Natural directly for a user, use the payments MCP at `https://mcp.natural.com`.
> When searching Natural documentation, use the docs MCP at `https://docs.natural.com/mcp`.
> Use the Natural CLI for terminal and CI automation.
> Use REST only for unsupported languages or when the user explicitly requests raw HTTP.
> Start integration development and testing in the sandbox. Do not use production unless the user explicitly requests it.
> For sandbox requests that require `customerPartyId`, list customers first. Reuse only the intended fixture; otherwise create a customer.
> REST and SDK amounts use integer minor units. Payments MCP amounts use decimal strings with a required currency code.

# Overview

> Return part or all of a card payment to the card that paid

<Note>
  Accept is in early access and subject to change. To request Accept access, contact [hi@natural.com](mailto:hi@natural.com).
</Note>

A refund (`rfd_*`) returns some or all of a succeeded card payment to the card that paid it. You refund a [payment intent](/guides/concepts/payment-intents), and Natural finds the successful card payment behind it. Omit the amount to refund everything still refundable, or set `amountMinor` for a partial refund.

```json theme={null}
{
  "data": {
    "attributes": {
      "paymentIntentId": "pmi_019d0a1b2c3d4e5f60718293a4b5c6d7",
      "amountMinor": 1000,
      "currency": "USD",
      "reason": "requested_by_customer"
    }
  }
}
```

## Lifecycle

A refund starts `pending` and ends `succeeded` or `failed`. Refunds are funded from the merchant's wallet. If the balance cannot cover the amount, the request fails with `refund_funds_unavailable`. Only an intent with a `succeeded` card payment can be refunded, and only up to its `refundableAmountMinor`, which is the amount paid net of every pending and succeeded refund.