> ## Documentation Index > Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt > Use this file to discover all available pages before exploring further. # Reverse loan account transaction > Creates an immutable compensating transaction and preserves reversal lineage. The reversal's effective date is DERIVED from the payment being reversed and is not accepted in the request; a body carrying `effectiveDate` is refused 422. Idempotency is enforced in the use case via the X-Request-ID header (X-Idempotency fallback): a reused request ID with different facts yields 409. A malformed UUID yields 422; an unknown transaction yields 404; a payment already reversed yields 409. A reversal is REFUSED 422 when the loan account carries a payment or a schedule version whose effective timestamp is strictly later than the reversed payment's. The problem document names which fact blocks, in `errors[0].message`: `REVERSAL_REFUSED_LATER_PAYMENT` (the borrower paid again — use the compensating-adjustment path), `REVERSAL_REFUSED_LATER_SCHEDULE_VERSION` (the schedule was re-agreed — the remedy is a new schedule version), or `REVERSAL_REFUSED_LATER_FACTS_EXIST` (both). ## OpenAPI ````yaml /es/openapi/v3-current/lender.yaml post /api/v1/loan-accounts/{id}/transactions/{transactionId}/reverse openapi: 3.1.0 info: contact: email: contact@lerian.studio name: Lerian Studio url: https://lerian.studio description: >- Code-first OpenAPI 3.1 surface for the Lender service. Routes that move money are at-most-once per X-Idempotency: when one answers 5xx, the X-Idempotency-Fenced response header says whether that key is now refusing resends (true) or free to retry (false or absent). See docs/contracts/money-route-idempotency.md. license: name: Lerian Studio General License title: Lender API version: 1.0.0 servers: - url: https://lender.sandbox.lerian.net security: - BearerAuth: [] tags: - description: >- Caller session projection: validated subject and effective permissions for the presented token. name: Session - description: >- Ledger accounting operations: journal entries and accrual postings for loan accounts. name: Accounting - description: >- Loan application intake and lifecycle: submission, decisioning, and status. name: LoanApplications - description: >- Loan product catalog: definition, versioning, and activation of lending products. name: LoanProducts - description: >- Loan account servicing operations: balances, schedules, and account-level actions. name: Loan Accounts - description: >- Portfolio dashboard read operations: aggregated portfolio and performance views. name: Dashboard - description: >- Jurisdiction registry: supported jurisdiction profiles and their capabilities. name: Jurisdictions - description: >- Jurisdiction-specific loan application operations (Brazil origination surface). name: Loan Applications - description: >- Tax computation operations for jurisdiction-specific lending (e.g. Brazil IOF). name: Tax - description: >- Brazil consignado privado operations: contract lifecycle, exclusion repair, and compensating adjustments. name: Consignado - description: >- Credit-instrument document template registry: versioned drafting and publication of CCB clausulado. name: DocumentTemplates paths: /api/v1/loan-accounts/{id}/transactions/{transactionId}/reverse: post: tags: - Loan Accounts summary: Reverse loan account transaction description: >- Creates an immutable compensating transaction and preserves reversal lineage. The reversal's effective date is DERIVED from the payment being reversed and is not accepted in the request; a body carrying `effectiveDate` is refused 422. Idempotency is enforced in the use case via the X-Request-ID header (X-Idempotency fallback): a reused request ID with different facts yields 409. A malformed UUID yields 422; an unknown transaction yields 404; a payment already reversed yields 409. A reversal is REFUSED 422 when the loan account carries a payment or a schedule version whose effective timestamp is strictly later than the reversed payment's. The problem document names which fact blocks, in `errors[0].message`: `REVERSAL_REFUSED_LATER_PAYMENT` (the borrower paid again — use the compensating-adjustment path), `REVERSAL_REFUSED_LATER_SCHEDULE_VERSION` (the schedule was re-agreed — the remedy is a new schedule version), or `REVERSAL_REFUSED_LATER_FACTS_EXIST` (both). operationId: reverseLoanAccountTransaction parameters: - description: Loan account identifier (UUID). in: path name: id required: true schema: description: Loan account identifier (UUID). examples: - 550e8400-e29b-41d4-a716-446655440000 format: uuid type: string - description: Original repayment transaction identifier (UUID). in: path name: transactionId required: true schema: description: Original repayment transaction identifier (UUID). examples: - 550e8400-e29b-41d4-a716-446655440001 format: uuid type: string - description: >- Canonical idempotency request ID. Falls back to X-Idempotency when absent. in: header name: X-Request-ID schema: description: >- Canonical idempotency request ID. Falls back to X-Idempotency when absent. examples: - 550e8400-e29b-41d4-a716-446655440010 type: string - description: Fallback idempotency request ID used when X-Request-ID is absent. in: header name: X-Idempotency schema: description: Fallback idempotency request ID used when X-Request-ID is absent. examples: - 550e8400-e29b-41d4-a716-446655440011 type: string requestBody: content: application/json: schema: $ref: '#/components/schemas/ReverseRepaymentHumaRequest' required: true responses: '200': content: application/json: schema: $ref: '#/components/schemas/ReverseRepaymentHumaBody' description: OK headers: X-Idempotency-Replayed: schema: description: >- Set to "true" when this response replays an earlier request with the same idempotency key; absent on a first execution. type: string '401': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Unauthorized '403': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Forbidden '422': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Unprocessable Entity '500': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Internal Server Error '503': content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Service Unavailable default: content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Error components: schemas: ReverseRepaymentHumaRequest: additionalProperties: false properties: jurisdictionCode: description: Optional jurisdiction code. examples: - BR type: string profileVersion: description: Product profile version applied to the reversal. examples: - 1.0.0 minLength: 1 type: string reason: description: Operator-supplied reversal reason. minLength: 1 type: string required: - reason - profileVersion type: object ReverseRepaymentHumaBody: additionalProperties: false properties: amount: description: Reversed amount (2 d.p. string). examples: - '125.00' type: string destination: description: >- Where the reversed money went: 'revived' (the debt returned to this contract, its schedule is back) or 'returned_payment_receivable' (the contract stayed discharged and the money opened a separate debt of the borrower, outside the credit operation and with no payroll deduction behind it). enum: - revived - returned_payment_receivable examples: - revived type: string effectiveDate: description: ISO-8601 effective date of the reversal. examples: - '2026-06-14' type: string jurisdictionCode: description: Jurisdiction code applied to the reversal. examples: - BR type: string loanAccountId: description: Loan account UUID. examples: - 550e8400-e29b-41d4-a716-446655440000 type: string originalTransactionId: description: Reversed original transaction UUID. examples: - 550e8400-e29b-41d4-a716-446655440001 type: string profileVersion: description: Product profile version applied to the reversal. examples: - 1.0.0 type: string reason: description: Operator-supplied reversal reason. type: string requestId: description: Idempotency request ID echoed from the request. examples: - 550e8400-e29b-41d4-a716-446655440010 type: string returnedPaymentReceivableId: description: >- Identifier of the returned-payment receivable this reversal opened. Present only when destination is 'returned_payment_receivable'. examples: - 550e8400-e29b-41d4-a716-446655440003 format: uuid type: string transactionId: description: Compensating reversal transaction UUID. examples: - 550e8400-e29b-41d4-a716-446655440002 type: string required: - transactionId - originalTransactionId - loanAccountId - reason - profileVersion - effectiveDate - amount - destination type: object Detail: additionalProperties: false properties: code: description: >- Stable, machine-readable domain error code scoped to the emitting service (format: -NNNN). type: string detail: description: >- A human-readable explanation specific to this occurrence of the problem. examples: - Property foo is required but is missing. type: string errors: description: Optional list of individual error details items: $ref: '#/components/schemas/ErrorDetail' type: - array - 'null' instance: description: >- A URI reference that identifies the specific occurrence of the problem. examples: - https://example.com/error-log/abc123 format: uri type: string status: description: HTTP status code examples: - 400 format: int64 type: integer title: description: >- A short, human-readable summary of the problem type. This value should not change between occurrences of the error. examples: - Bad Request type: string type: default: about:blank description: A URI reference to human-readable documentation for the error. examples: - https://example.com/errors/example format: uri type: string upstream: $ref: '#/components/schemas/Upstream' description: >- RFC 9457 extension member: the error a proxied third-party provider reported. Absent unless the emitting service explicitly surfaced one. type: object ErrorDetail: additionalProperties: false properties: location: description: >- Where the error occurred, e.g. 'body.items[3].tags' or 'path.thing-id' type: string message: description: Error message text type: string value: description: The value at the given location type: object Upstream: additionalProperties: false properties: code: description: The upstream provider's own error code, verbatim. examples: - E4001 type: string message: description: >- The upstream provider's own error message, verbatim (bounded, never its raw response body). examples: - account not found at provider type: string type: object securitySchemes: BearerAuth: bearerFormat: JWT description: JWT bearer token issued by the identity provider. scheme: bearer type: http ````