Moving money using DebitReversal objects

Learn how you can retrieve funds taken out of a financial account from an external account holder.

Returning the funds from a ReceivedDebit creates a DebitReversal. You can get the funds back from a ReceivedDebit in only some scenarios (detailed in the following table). Whether you can return the funds of a ReceivedDebit depends on the network and source flow.

The reversal_details sub-hash on the ReceivedDebit resource can have the following combination of values, which determines whether you can return the ReceivedDebit funds.

RESTRICTED REASON	DEADLINE (EPOCH TIMESTAMP)	EXAMPLE SCENARIO
`null`	7940828047	A `ReceivedDebit` that you can return funds from, but only until the timestamp in `deadline`. ACH `ReceivedDebits` have a deadline that determines how long you have to return them.
`deadline_passed`	1629480538	A `ReceivedDebit` whose funds were returnable before the timestamp in `deadline`, but is no longer returnable using the API because the `deadline` has passed. ACH `ReceivedDebits` have a limited time of when they’re returnable using the API after they’re created.
`already_reversed`	null	A `ReceivedDebit` that’s already been returned. It might have a non-null `deadline` value.
`source_flow_restricted`	null	A `ReceivedDebit` that can’t be returned because its `source_flow` isn’t reversible.

Return deadlines

You have approximately 1 business day to return ACH debits using the API after receipt. After this time, ACH debit funds might still be returnable but funds return isn’t guaranteed. Contact support to request a return of funds if the reversal deadline has passed.

To create returns of ReceivedDebit funds produced by activity on Issuing cards, see the Issuing disputes guide.

Create a DebitReversal

Use POST /v1/treasury/debit_reversals to create a DebitReversal. Specify the ID of the ReceivedDebit to reverse with the received_debit parameter in the body of the request.

Note

You can’t update DebitReversals, so you must set any optional metadata on creation.

The following request creates a DebitReversal based on the ReceivedDebit ID value on the required received_debit parameter. The request also sets an optional metadata value.

If successful, the response returns the new DebitReversal object.

{
  "id": "{{DEBIT_REVERSAL_ID}}",
  "object": "debit_reversal",
  "amount": 1000,
  "currency": "usd",
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
  "hosted_regulatory_receipt_url": "https://payments.stripe.com/regulatory-receipt/{{URL_ID}}",
  "linked_flows": null,
  "livemode": false,
  "metadata": {},
  "network": "ach",
  "received_debit": "{{RECEIVED_DEBIT_ID}}",
  "resolution": null,
  "status": "processing",
  "status_transitions": {
    "completed_at": null
  },
  "transaction": "{{TRANSACTION_ID}}"
}

Retrieve a DebitReversal

Use GET /v1/treasury/debit_reversals/{{DEBIT_REVERSAL_ID}} to retrieve the DebitReversal with the associated ID.

If successful, the response returns the identified DebitReversal.

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{
  "id": "{{DEBIT_REVERSAL_ID}}",
  "object": "debit_reversal",
  "livemode": true | false,
  "created": "{{Timestamp}}",
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
  "amount": 1000,
  "currency": "usd",
  // the ReceivedDebit being returned
  "received_debit": "{{RECEIVED_DEBIT_ID}}",

List DebitReversals

Use GET /v1/treasury/debit_reversals to retrieve a list of DebitReversals for the financial account with the ID provided in the required financial_account parameter. You can filter the list by standard list parameters, status, or by ReceivedDebit ID using the received_debit parameter.

{
  // Standard list parameters
  "limit", "starting_after", "ending_before",
  // Filter by financial account (Required)
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
  // Filter by `status`
  "status": "processing" | "canceled" | "completed"
  // Filter by ReceivedDebit
  "received_debit": "{{RECEIVED_DEBIT_ID}}",
}

The following request retrieves the last three DebitReversal objects for the identified financial account.

Test DebitReversals

To test DebitReversals, you must first create a test ReceivedDebit. Afterwards, use POST /v1/treasury/debit_reversals and specify the test ReceivedDebit ID in the received_debit parameter to create a test DebitReversal.

DebitReversal webhooks

Stripe emits the following DebitReversal events to your webhook endpoint:

treasury.debit_reversal.created on DebitReversal creation.
treasury.debit_reversal.completed when the DebitReversal completes.