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Refund agent payments, and reply to card chargebacks. A refund and a chargeback are different. You start a refund. A cardholder starts a chargeback with their bank.

Refunds

Buyers ask you for a refund, as for any other purchase. InFlow does not send you refund requests. The seller SDKs have no refund function.

Refund a stablecoin payment

1

Open your balances

Log in to the dashboard at app.inflowpay.ai. Go to Balances.
2

Send the refund

Select Send. Search for the buyer. Then send the refund amount.
If you cannot find the buyer, ask the buyer for a wallet address. Send the refund to that address.

Refund a card payment

Refund the payment in your Stripe Dashboard. InFlow fees are not refundable. See Fees and payouts.

Chargebacks

Stablecoin payments have no chargebacks. Card payments use your Stripe account. Stripe tells you about a chargeback, and you reply to it in Stripe. Your Stripe terms set the fees and the time limits. Disputes and holds work as for your other card customers. InFlow does not add a step. InFlow does not have the card authorization or 3D Secure records. Stripe has them. Keep your own records, because they help you reply to a chargeback:
  • Your usage logs for the account
  • The transaction ID of each payment
  • The customer details from enrollment, if you use Onboard

What InFlow does

  • InFlow takes no part in a dispute between you and a buyer. InFlow does not take liability for chargebacks.
  • InFlow does not hold back or take back stablecoin funds because of a dispute. After a stablecoin payment completes, you can withdraw the funds.
  • InFlow can freeze an account or a transaction that appears suspicious. InFlow can also reverse a transaction that violates the Terms of Service or the law. Sections 5 and 6 of the Terms of Service give the rules.

Next step

Sell prepaid credits

Let agents buy credits first and use them later.
Last modified on November 13, 2026