---
title: Moving money with Treasury using DebitReversal objects
subtitle: Learn how you can retrieve funds taken out of a Treasury financial account from an external account holder.
route: /treasury/moving-money/financial-accounts/out-of/debit-reversals
---

# Moving money with Treasury using DebitReversal objects

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

Returning the funds from a [ReceivedDebit](https://docs.stripe.com/api/treasury/received_debits.md) creates a [DebitReversal](https://docs.stripe.com/api/treasury/debit_reversals.md). 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](https://docs.stripe.com/issuing/purchases/disputes.md) 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.

You can’t update `DebitReversals`, so you must set any optional [metadata](https://docs.stripe.com/api/treasury/debit_reversals/object.md#debit_reversal_object-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.

```dotnet
StripeConfiguration.ApiKey = "<<secret key>>";

var options = new Stripe.Treasury.DebitReversalCreateOptions
{
    ReceivedDebit = "{{RECEIVED_DEBIT_ID}}",
    Metadata = new Dictionary<string, string> { { "reason", "Because" } },
};
var service = new Stripe.Treasury.DebitReversalService();
Stripe.Treasury.DebitReversal debitReversal = service.Create(options);
```

```go
stripe.Key = "<<secret key>>"

params := &stripe.TreasuryDebitReversalParams{
  ReceivedDebit: stripe.String("{{RECEIVED_DEBIT_ID}}"),
};
params.AddMetadata("reason", "Because")
result, err := debitreversal.New(params);
```

```java
Stripe.apiKey = "<<secret key>>";

DebitReversalCreateParams params =
  DebitReversalCreateParams.builder()
    .setReceivedDebit("{{RECEIVED_DEBIT_ID}}")
    .putMetadata("reason", "Because")
    .build();

DebitReversal debitReversal = DebitReversal.create(params);
```

```node
const stripe = require('stripe')('<<secret key>>');

const debitReversal = await stripe.treasury.debitReversals.create({
  received_debit: '{{RECEIVED_DEBIT_ID}}',
  metadata: {
    reason: 'Because',
  },
});
```

```python
import stripe
stripe.api_key = "<<secret key>>"

debit_reversal = stripe.treasury.DebitReversal.create(
  received_debit="{{RECEIVED_DEBIT_ID}}",
  metadata={"reason": "Because"},
)
```

```php
$stripe = new \Stripe\StripeClient('<<secret key>>');

$debitReversal = $stripe->treasury->debitReversals->create([
  'received_debit' => '{{RECEIVED_DEBIT_ID}}',
  'metadata' => ['reason' => 'Because'],
]);
```

```ruby
Stripe.api_key = '<<secret key>>'

debit_reversal = Stripe::Treasury::DebitReversal.create({
  received_debit: '{{RECEIVED_DEBIT_ID}}',
  metadata: {reason: 'Because'},
})
```

If successful, the response returns the new `DebitReversal` object.

```json
{
  "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.

```dotnet
StripeConfiguration.ApiKey = "<<secret key>>";

var service = new Stripe.Treasury.DebitReversalService();
Stripe.Treasury.DebitReversal debitReversal = service.Get("{{DEBIT_REVERSAL_ID}}");
```

```go
stripe.Key = "<<secret key>>"

params := &stripe.TreasuryDebitReversalParams{};
result, err := debitreversal.Get("{{DEBIT_REVERSAL_ID}}", params);
```

```java
Stripe.apiKey = "<<secret key>>";

DebitReversal debitReversal = DebitReversal.retrieve("{{DEBIT_REVERSAL_ID}}");
```

```node
const stripe = require('stripe')('<<secret key>>');

const debitReversal = await stripe.treasury.debitReversals.retrieve('{{DEBIT_REVERSAL_ID}}');
```

```python
import stripe
stripe.api_key = "<<secret key>>"

debit_reversal = stripe.treasury.DebitReversal.retrieve("{{DEBIT_REVERSAL_ID}}")
```

```php
$stripe = new \Stripe\StripeClient('<<secret key>>');

$debitReversal = $stripe->treasury->debitReversals->retrieve('{{DEBIT_REVERSAL_ID}}', []);
```

```ruby
Stripe.api_key = '<<secret key>>'

debit_reversal = Stripe::Treasury::DebitReversal.retrieve('{{DEBIT_REVERSAL_ID}}')
```

If successful, the response returns the identified `DebitReversal`.

```json
{
  "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}}",
  // whether funds have been returned depending on the DebitReversal outcome
  "resolution": null | "won",
  "status": "processing" | "canceled" | "completed",
  "status_transitions": {
    "processing_at": "{{Timestamp}}",
    "canceled_at": null | "{{Timestamp}}",
    "completed_at": null | "{{Timestamp}}"
  },
  // Transaction representing balance impact of the DebitReversal
  "transaction": "{{TRANSACTION_ID}}",
  // A unique, Stripe-hosted direct link to the regulatory receipt for the DebitReversal
  "hosted_regulatory_receipt_url": "{{Url}}",
  // A map of String-String intended for users to use custom data
  "metadata": {}
}
```

```json
{
  "id": "{{DEBIT_REVERSAL_ID}}",
  "object": "debit_reversal",
  "livemode": false,
  "created": 123456,
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
  "amount": 1000,
  "currency": "usd",
  "received_debit": "{{RECEIVED_DEBIT_ID}}",
  "resolution": null,
  "status": "completed",
  "status_transitions": {
    "processing_at": 123456,
    "canceled_at": null,
    "completed_at": null
  },
  "transaction": "{{TRANSACTION_ID}}",
  "hosted_regulatory_receipt_url": "https://example.com",
  "metadata": {}
}
```

## 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](https://docs.stripe.com/api/treasury/debit_reversals/object.md) for the identified financial account.

```dotnet
StripeConfiguration.ApiKey = "<<secret key>>";

var options = new Stripe.Treasury.DebitReversalListOptions
{
    FinancialAccount = "<<treasuryFinancialAccount>>",
    Limit = 3,
};
var service = new Stripe.Treasury.DebitReversalService();
StripeList<Stripe.Treasury.DebitReversal> debitReversals = service.List(options);
```

```go
stripe.Key = "<<secret key>>"

params := &stripe.TreasuryDebitReversalListParams{
  FinancialAccount: stripe.String("<<treasuryFinancialAccount>>"),
};
params.Limit = stripe.Int64(3)
result := debitreversal.List(params);
```

```java
Stripe.apiKey = "<<secret key>>";

DebitReversalListParams params =
  DebitReversalListParams.builder()
    .setFinancialAccount("<<treasuryFinancialAccount>>")
    .setLimit(3L)
    .build();

DebitReversalCollection debitReversals = DebitReversal.list(params);
```

```node
const stripe = require('stripe')('<<secret key>>');

const debitReversals = await stripe.treasury.debitReversals.list({
  financial_account: '<<treasuryFinancialAccount>>',
  limit: 3,
});
```

```python
import stripe
stripe.api_key = "<<secret key>>"

debit_reversals = stripe.treasury.DebitReversal.list(
  financial_account="<<treasuryFinancialAccount>>",
  limit=3,
)
```

```php
$stripe = new \Stripe\StripeClient('<<secret key>>');

$debitReversals = $stripe->treasury->debitReversals->all([
  'financial_account' => '<<treasuryFinancialAccount>>',
  'limit' => 3,
]);
```

```ruby
Stripe.api_key = '<<secret key>>'

debit_reversals = Stripe::Treasury::DebitReversal.list({
  financial_account: '<<treasuryFinancialAccount>>',
  limit: 3,
})
```

## Test DebitReversals 

To test `DebitReversals`, you must first create a [test ReceivedDebit](#test-received-debit). 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](https://docs.stripe.com/webhooks.md) endpoint:

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