# Under and Overpayments

### What is regarded as an overpayment?

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

<figure><img src="/files/mBL4q9zopZtAj6wTF9oI" alt=""><figcaption></figcaption></figure>

### What is an underpayment?

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

<figure><img src="/files/8k2yIWEScgqjDSoQbfYz" alt=""><figcaption></figcaption></figure>

### 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.

{% hint style="info" %}
Webhook notification is sent to help you address any discrepancies.
{% endhint %}

<details>

<summary><strong>How to Identify an Overpayment or Underpayment:</strong></summary>

* 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`”.

</details>

<details>

<summary><strong>How to Handle Overpayments and Underpayments:</strong></summary>

For `excess payment`, you can initiate a part/full refund from the dashboard. For `underpayment`, you can initiate a full of the received fund.&#x20;

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.

</details>

{% hint style="info" %}

#### **Initiating a Refund**:

Refunds can be initiated via the dashboard by clicking the “refund” button.
{% endhint %}

#### 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](/startbutton-product-api/startbutton-api-doc/webhook.md#webook-samples-for-under-and-overpaid-transactions).


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