Create DICT refund

Persists a DICT refund request locally and submits the corresponding BACEN refund synchronously-after-persist, tracked by request_id; report_status is SENT at rest.

POST /api/v1/dict/refunds

Create DICT refund

cURL

curl --request POST \
  --url https://api.example.com/api/v1/dict/refunds \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "amount": 1500,
  "endToEndId": "E12345678202607101200D3E4F5A6B7C",
  "reason": "FRAUD",
  "requestedByISPB": "12345678",
  "refundDetails": "<string>"
}
'

201

{
  "amount": 1500,
  "createdAt": "2026-06-14T12:00:00Z",
  "endToEndId": "E12345678202607101200D3E4F5A6B7C",
  "id": "550e8400-e29b-41d4-a716-446655440001",
  "reason": "FRAUD",
  "reportStatus": "SENT",
  "requestedByISPB": "12345678",
  "status": "OPEN",
  "updatedAt": "2026-06-14T12:00:00.250Z",
  "analysisDetails": "<string>",
  "analysisResult": "TOTALLY_ACCEPTED",
  "bacen": {
    "correlationId": "a1b2c3d4e5f6a1b2c3d4e5f6a1b2c3d4",
    "lastModified": "2026-06-14T12:00:00Z",
    "responseTime": "2026-06-14T12:00:00Z"
  },
  "bacenCreationTime": "2026-06-14T12:00:00Z",
  "contestedISPB": "87654321",
  "effectiveRefundedAmount": 750,
  "fundsRecoveryId": "550e8400-e29b-41d4-a716-446655440003",
  "infractionReportId": "550e8400-e29b-41d4-a716-446655440004",
  "monitorAccount": true,
  "operationId": "01930000-0000-7000-8000-000000000000",
  "operationStatus": "UNKNOWN_OUTCOME",
  "originOperationId": "01930000-0000-7000-8000-000000000000",
  "refundAccount": {
    "accountNumber": "987654",
    "accountType": "CACC",
    "participant": "12345678",
    "taxIdNumber": "12345678909",
    "branch": "0001"
  },
  "refundDetails": "<string>",
  "refundTransactionId": "E99999010202606141430ZYXWVUTSRQP",
  "rejectionReason": "NO_BALANCE",
  "requestingISPB": "12345678"
}

Autorizações

Authorization · string · header · obrigatório

JWT bearer token issued by the identity provider.

Cabeçalhos

X-Idempotency · string · obrigatório

Required key used to prevent replaying the mutation.

Corpo

application/json

DICT refund request reported to BACEN first; only a CONFIRMED report is persisted locally — a rejection or ambiguous outcome creates no local row. Tracked by report_status=SENT + a durable operation intent (operationId) while pending.

amount · number · obrigatório

Refund amount as an exact decimal number; must be greater than zero

Exemplo:

1500

endToEndId · string · obrigatório

Identifier of the transaction to refund: the EndToEndID of the payment (pacs.008, E-prefixed), or the RtrId of the return operation being contested (pacs.004, D-prefixed — DICT 8.4 §20.1.9). BACEN's field overloads both message types; the prefix discriminates, and the shape is BACEN's InstrId2Type. The message-type letter must be upper case; the 11-character tail is case-insensitive. The date and minute components are additionally parsed as a real instant by the service.

Pattern: ^[ED][0-9A-Z]{8}[0-9]{12}[a-zA-Z0-9]{11}$

Exemplo:

"E12345678202607101200D3E4F5A6B7C"

reason · enum<string> · obrigatório

BACEN refund reason. FRAUD, OPERATIONAL_FLAW or PIX_AUTOMATICO; the spec's fourth value is retired and is not accepted.

Opções disponíveis: FRAUD, OPERATIONAL_FLAW, PIX_AUTOMATICO

Exemplo:

"FRAUD"

requestedByISPB · string · obrigatório

ISPB (8 digits or uppercase letters) of the participant requesting the refund; gated to the calling direct's scope (JRN-151)

Pattern: ^[0-9A-Z]{8}$

Exemplo:

"12345678"

refundDetails · string

Short description of why the refund is requested; mandatory when reason is OPERATIONAL_FLAW, optional otherwise (max 2000 characters).

Maximum string length: 2000

Resposta

201

application/json

Created

Persisted local DICT refund request record, or {operationId, operationStatus} while BACEN's outcome is pending (202).

amount · number · obrigatório

Refund amount as an exact decimal number

Exemplo:

1500

createdAt · string · obrigatório

Record creation timestamp (RFC 3339, UTC)

Exemplo:

"2026-06-14T12:00:00Z"

endToEndId · string · obrigatório

BACEN end-to-end identifier (E2E ID) of the refunded PIX transaction

Exemplo:

"E12345678202607101200D3E4F5A6B7C"

id · string · obrigatório

BACEN-assigned refund resource UUID — the public, canonical identity of this record

Exemplo:

"550e8400-e29b-41d4-a716-446655440001"

reason · string · obrigatório

BACEN refund reason: FRAUD, OPERATIONAL_FLAW or PIX_AUTOMATICO

Exemplo:

"FRAUD"

reportStatus · string · obrigatório

BACEN report delivery state. Always SENT at rest (a resource row is persisted only once BACEN has confirmed it; a rejected or ambiguous attempt creates no row).

Exemplo:

"SENT"

requestedByISPB · string · obrigatório

ISPB (8 digits or uppercase letters) of the participant that requested the refund

Exemplo:

"12345678"

status · enum<string> · obrigatório

DICT spec refund lifecycle state: OPEN, CLOSED, or CANCELLED. CLOSED alone does not say accept vs reject; see analysisResult.

Opções disponíveis: OPEN, CLOSED, CANCELLED

Exemplo:

"OPEN"

updatedAt · string · obrigatório

Last update timestamp (RFC 3339 with fractional seconds, UTC): two changes in the same second carry distinct, ordered values

Exemplo:

"2026-06-14T12:00:00.250Z"

analysisDetails · string

Free-text analysis details accompanying analysisResult; omitted until close (ours or the counterparty's, via refresh)

analysisResult · enum<string>

closeRefund analysis outcome: TOTALLY_ACCEPTED, PARTIALLY_ACCEPTED, or REJECTED; omitted until close

Opções disponíveis: TOTALLY_ACCEPTED, PARTIALLY_ACCEPTED, REJECTED

Exemplo:

"TOTALLY_ACCEPTED"

bacen · object

BACEN's own operational envelope for its most recent interaction on this refund, including its LastModified version; omitted when no BACEN interaction has ever landed on it.

Show child attributes

bacenCreationTime · string

When BACEN created this refund request (RFC 3339, UTC); distinct from createdAt

Exemplo:

"2026-06-14T12:00:00Z"

contestedISPB · string

BACEN-assigned contested participant ISPB (ExtendedRefund.ContestedParticipant)

Exemplo:

"87654321"

effectiveRefundedAmount · number

MED 2.0: effective refunded amount recorded on an accepting close (exact decimal, verbatim); omitted until close

Exemplo:

750

fundsRecoveryId · string

BACEN-assigned funds-recovery id this refund is bound to (refund-under-recovery); omitted for a standalone refund

Exemplo:

"550e8400-e29b-41d4-a716-446655440003"

infractionReportId · string

BACEN-assigned infraction this refund was opened for (ExtendedRefund.InfractionReportId); omitted otherwise

Exemplo:

"550e8400-e29b-41d4-a716-446655440004"

monitorAccount · boolean

MED 2.0: whether the destination account is monitored (ExtendedRefund.MonitorAccount); omitted when BACEN has never echoed a value, explicit true/false once it has

Exemplo:

true

operationId · string

Durable MED operation-intent id: the operation that produced this resource's current state. Present on both a synchronous 200/201 and a pending 202.

Exemplo:

"01930000-0000-7000-8000-000000000000"

operationStatus · enum<string>

Durable operation-intent status. Always COMPLETED on a synchronous 200/201; on a pending 202 it is never REJECTED or LOCAL_FAILURE — both are BACEN-final/local-final outcomes mapped to their own HTTP status instead of a 202.

Opções disponíveis: RESERVED, SUBMITTED, CONFIRMED, SYNC_PENDING, UNKNOWN_OUTCOME, MANUAL_REVIEW, COMPLETED

Exemplo:

"UNKNOWN_OUTCOME"

originOperationId · string

Durable operation-intent id that produced this snapshot's current state, when known

Exemplo:

"01930000-0000-7000-8000-000000000000"

refundAccount · object

MED 2.0: destination account of a refund-under-recovery; omitted for a standalone refund

Show child attributes

refundDetails · string

Short description of why the refund was requested; present when the reason carries one

refundTransactionId · string

BACEN-executed refund transaction id (ExtendedRefund.RefundTransactionId), distinct from endToEndId; empty until a refund transaction exists

Exemplo:

"E99999010202606141430ZYXWVUTSRQP"

rejectionReason · string

BACEN rejection reason accompanying a REJECTED analysisResult; omitted otherwise

Exemplo:

"NO_BALANCE"

requestingISPB · string

BACEN-assigned requesting participant ISPB (ExtendedRefund.RequestingParticipant)

Exemplo:

"12345678"