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Refund? #60

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jviure opened this issue Apr 4, 2016 · 1 comment
Open

Refund? #60

jviure opened this issue Apr 4, 2016 · 1 comment

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@jviure
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jviure commented Apr 4, 2016

Hi! I'm working with the 008.001.02 schema. It's posible to do a refund? multiply by -1 the amount? thanks!
@BorislavSabev
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Hello. Normally refunds are separate transfers. I don't know if the bank will do a reverse transfer if you specify an amount < 0. The ISO20022 spec for sure does not do this, a debit is a debit, a credit - a credit. This is basic accounting.
I create separate transfers for this functionality. For example if I have to refund someone who we already charged via a DirectDebit I will create a separate CreditTransfer payment in order to refund him.

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@BorislavSabev @jviure