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  • What is regarded as an overpayment?
  • What is an underpayment?
  • How Does This Work?
  1. Startbutton API doc

Under and Overpayments

This solution addresses payment discrepancies in NGN transactions where customers pay more or less than expected via the bank transfer channel.

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Last updated 3 months ago

What is regarded as an overpayment?

  • A payment received that is above the expected/ initiated amount is referred to as an Overpayment.

What is an underpayment?

  • A payment received that is below the expected/ initiated amount is referred to as an Underpayment.

How Does This Work?

  • Our system automatically detects discrepancies between the expected and received amounts during bank transfer transactions.

  • Payments that do not match the expected amount are tagged as follows:

    • Underpayment: For payments below the expected amount.

    • Excess Payment: For payments above the expected amount.

Webhook notification is sent to help you address any discrepancies.

How to Identify an Overpayment or Underpayment:
  • An underpaid transaction appears as a new transaction with a unique reference (tagged as underpayment) and is marked “successful”.

  • An excess payment is recorded as a new transaction with a unique reference (tagged as an overpayment) and is marked “successful”.

How to Handle Overpayments and Underpayments:

For excess payment, you can initiate a part/full refund from the dashboard. For underpayment, you can initiate a full of the received fund.

To initiate a Refund you will need to the original transaction ref.

  • To get their original transaction ref/ order number. Follow the steps below:

    • Click the "… " button

    • ⁠Select “view detail”

    • you will find “summary” & “refunds” tab

    • ⁠Select the “Refunds” tab, and you will see the original transaction ref.

Initiating a Refund:

Refunds can be initiated via the dashboard by clicking the “refund” button.

Webhook for Under and Overpayments:

You can now identify Under and Overpayment via webhook notifications. This will help you promptly treat the payments as required. For more details, see here.