This API is used to refund to the customer where the payment transaction is missing in the system. E.g. For payment made through Cash-On-Delivery, the forward payment is made through cash and not on PhonePe. The merchant can initiate a refund through Deferred Credit.

Deferred credit is a two-step process.
First, the merchant initiates the call to /credit/deferred for credit request.
Second, to fulfill the deferred request, the merchant calls Credit Deferred Fulfil

Request Headers

Header Name	Header Values
`Content-Type`	application/json
`X-VERIFY`	SHA256(base64 encoded payload + "/v3/credit/deferred" + salt key) + ### + salt index
`X-CALLBACK-URL`	Dynamic callback URI for the API request

{
  "merchantId": "DemoMerchant",
  "transactionId": "TX123456789",
  "merchantUserId": "U123456789",
  "amount": 100,
  "merchantOrderId": "OD1234",
  "subMerchant": "DemoMerchant",
  "mobileNumber": "9xxxxxxxxx",
  "message": "refund for cancelled order",
  "email": "amitxxx[email protected]",
  "shortName": "Amit"
}

{
  "request": "eyJtZXJjaGFudE9yZGVySWQiOiAiT0QxMjM0IiwgInN1Yk1lcmNoYW50IjogIkRlbW9NZXJjaGFudCIsICJhbW91bnQiOiAxMDAsICJtZXNzYWdlIjogInJlZnVuZCBmb3IgY2FuY2VsbGVkIG9yZGVyIiwgIm1vYmlsZU51bWJlciI6ICI5eHh4eHh4eHh4IiwgInNob3J0TmFtZSI6ICJBbWl0IiwgInRyYW5zYWN0aW9uSWQiOiAiVFgxMjM0NTY3ODkiLCAibWVyY2hhbnRVc2VySWQiOiAiVTEyMzQ1Njc4OSIsICJtZXJjaGFudElkIjogIkRlbW9NZXJjaGFudCIsICJlbWFpbCI6ICJhbWl0eHh4NzVAZ21haWwuY29tIn0"
}

Request Parameters

Parameter Name	Type	Description	Mandatory
`merchantId`	`String`	Unique Merchant ID assigned to the merchant by PhonePe	`Yes`
`transactionId`	`String`	Unique Transaction ID generated by the merchant to track this request to PhonePe	`Yes`
`merchantUserId`	`String`	Unique ID assigned to the user by the merchant. This is used for linking the user’s PhonePe account.	`Yes`
`amount`	`Long`	Transaction amount in paise	`Yes`
`merchantOrderId`	`String`	Order ID for the merchant transaction	`Yes`
`subMerchant`	`String`	Tag to categorize merchant transaction	`No`
`mobileNumber`	`String`	Mobile number of the user	`No`
`message`	`String`	Short message	`No`
`email`	`String`	Email address of the user	`No`
`shortName`	`String`	User's name pre-filled for registration purpose.	`No`

Response Parameters

Parameter Name	Type	Description
`success`	`Boolean`	Success status of the request
`code`	`ENUM`	To see list of response codes go here.
`message`	`String`	Short message about code