Understanding Reverse Callbacks

Reverse callbacks are triggered when payments are cancelled, refunded, disputed (card chargebacks), or returned (ACH returns). Reverse callbacks require an acknowledgement response containing the pnm_order_identifier and can contain the following parameters.

Request Parameters

ParameterDescriptionType
site_identifierThe ID that identifies your merchant site.string
timestampThe Unix Epoch time of the call.string
versionThe version of the API you’re using. This version must match the version associated with your API key pair.string
site_customer_identifierA unique string ID the merchant creates to identify consumers.string
signatureA unique string of characters that is calculated by running the alphabetized, concatenated parameters of the call through an HMAC-SHA256 digest.string
site_order_identifierA unique string ID the merchant creates to identify the order.string
pnm_order_identifierThe unique, PayNearMe-generated ID for this order.string
pnm_payment_identifierA unique string ID that PayNearMe generates with each payment.string
site_payment_identifierA unique client-generated string ID that identifies the payment.string
payment_amountThe total payment amount the consumer submitted online or paid to the retailer.dec
payment_currencyUSDenum
payment_arnThe Acquirer Reference Number (ARN) assigned to the card transaction as it moves through the payment flow. This field is only returned for chargebacks.string
reverse_codeFor bank returns, this field displays the ACH return code associated with this transaction. For cancellations, this field displays canceled. For refunds, this field displays refunded.string
reverse_reasonIndicates why the transaction was reversed. This field is associated with the reverse_code field. For cancellations, this field displays Canceling Payment. For refunds, this field displays merchant_requested.string
reverse_amountThe amount that was disputed by the consumer in the chargeback or indicated in the return.currency
reverse_currencyUSDstring
reverse_dateThe date the chargeback, return, cancellation, or refund was submitted in YYYY-MM-DD format.string
reverse_typeIndicates whether this payment reversal is related to a
  • Chargeback on a card,
  • Bank Return to an ACH (i.e., bank) account,
  • Refund, or
  • Cancel
string
chargeback_exception_idThe unique case ID assigned to this chargeback by the processor. This field only displays for chargebacks/disputes. If this field does not display for you, ask your PayNearMe Technical Account Manager to set it up for you.string
reverse_chargeback_codeA unique string exception code identifier assigned to this chargeback. This field only displays for chargebacks/disputes . If this field does not display for you, ask your PayNearMe Technical Account Manager to set it up for you.string
reverse_chargeback_statusThe current status of the chargeback. Clients can configure their Reverse Callback settings to fire every time the status of the chargeback/dispute changes (i.e., open > processing > closed, etc.). Consult your PayNearMe Technical Account Manager for more information.string
payment_typeThe type of payment method the consumer used for the transaction. Supported values include the following: 
  • credit
  • debit
  • ach
  • paypal
  • cashapp
NOTE: The payment_type field is listed as paypal for Venmo transactions since Venmo is owned by PayPal.
string
payment_card_last4The last four digits of a credit or debit card.string
payment_card_typeThe type of payment card that was used to make a payment. Supported values include the following: 
  • Credit Card
  • Debit Card
  • Venmo
  • Paypal
  • Cash App
string
payment_timestampThe date and time of the payment in ISO-8601 format.datetime
statusIndicates whether the payment was charged back, returned, cancelled, or refunded. Supported values include 
  • cancel
  • chargeback
  • refund
  • return
string
order_payee_identifierThe merchant’s Site Identifier.string
payment_bank_nameThe name of the bank where this account is held.string
payment_bank_last4The last four digits of the account number.string

Sample Code

The following code sample displays examples of the Reverse callback and the expected server response.

Bank Return

{
  "pnm_order_identifier": "87758373575",
  "pnm_payment_identifier": "406187104888",
  "site_customer_identifier": "99995555",
  "version": "3.0",
  "test": true,
  "payment_amount": "120.00",
  "payment_currency": "USD",
  "timestamp": "1708982033",
  "status": "return",
  "standin": "false",
  "payment_timestamp": "2024-02-05 13:00:14 -0800",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Bank Return",
  "reverse_date": "2024-02-26",
  "reverse_code": "R01",
  "reverse_reason": "Insufficient Funds",
  "reverse_amount": "120.00",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_bank_name": "Simmons First National Bank",
  "payment_bank_last4": "0397",
  "signature": "1954b076ca784e5ac131d3358279002bd81881d73d25c9935006a852d1a0d29f"
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "87758373575"
    }
  }
}

Chargeback

{
  "pnm_order_identifier": "87801447064",
  "pnm_payment_identifier": "951846356710",
  "site_order_identifier": "857280000",
  "site_customer_identifier": "857280000",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "504.99",
  "payment_currency": "USD",
  "payment_arn": "A2345678901B3456789012C4",
  "timestamp": "1712699705",
  "status": "chargeback",
  "payment_timestamp": "2024-04-09 14:54:10 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Chargeback",
  "reverse_date": "2024-04-09",
  "reverse_amount": "504.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Credit Card",
  "payment_card_last4": "3023",
  "signature": "39bb22c88730d38ab107d863b91bf2165a7136afad0d3ced8f718c5f619a9a72"
}
{
  "pnm_order_identifier": "82969187346",
  "pnm_payment_identifier": "623306771822",
  "site_customer_identifier": "bon1",
  "site_payment_identifier": "82969187346-1645567004",
  "version": "3.0",
  "payment_amount": "22.22",
  "payment_currency": "USD",
  "timestamp": "1650044106",
  "status": "chargeback",
  "payment_timestamp": "2022-02-22 13:56:43 -0800",
  "order_payee_identifier": "S1733026124",
  "reverse_type": "Chargeback",
  "reverse_date": "2022-04-15",
  "reverse_amount": "22.22",
  "reverse_currency": "USD",
  "site_identifier": "S1733026124",
  "payment_card_type": "Debit Card",
  "payment_card_last4": "9993",
  "signature": "8119f22d18215c07b33eeb0a0e8c8385d31b2ae3783c09d673bacb8117452ed7"
}
{
  "pnm_order_identifier": "88761074487",
  "pnm_payment_identifier": "935598519392",
  "site_customer_identifier": "65a4638b02008406f9bb17be",
  "site_payment_identifier": "1df230cc-f1ff-4322-85fc-a2f4917a5575",
  "version": "3.0",
  "payment_amount": "25.00",
  "payment_currency": "USD",
  "timestamp": "1710701642",
  "status": "chargeback",
  "payment_timestamp": "2024-03-16 12:22:39 -0700",
  "order_payee_identifier": "S2893783906",
  "reverse_type": "Chargeback",
  "reverse_date": "2024-03-17",
  "reverse_amount": "25.00",
  "reverse_currency": "USD",
  "site_identifier": "S2893783906",
  "payment_card_type": "PayPal",
  "signature": "236ffbe4c2acf9e5efbb46e5ac244cf08c993bf7c00c8fc2ec9e372c68c8fd11"
}
{
  "pnm_order_identifier": "88761086123",
  "pnm_payment_identifier": "946699629392",
  "site_customer_identifier": "909580000",
  "site_payment_identifier": "89189483856-1666367523",
  "version": "3.0",
  "payment_amount": "100.00",
  "payment_currency": "USD",
  "timestamp": "1710701653",
  "status": "chargeback",
  "payment_timestamp": "2024-03-17 1:54:13 -0500",
  "order_payee_identifier": "S28938949107",
  "reverse_type": "Chargeback",
  "reverse_date": "2024-03-17",
  "reverse_amount": "25.00",
  "reverse_currency": "USD",
  "site_identifier": "S2893783906",
  "payment_card_type": "Venmo",
  "signature": "51baa1b1ee4deb89cfe2e5d3949b871e9efed9b118e2ad873d92816c165afa1d"
}
{
  "pnm_order_identifier": "87801448175",
  "pnm_payment_identifier": "951846356710",
  "site_order_identifier": "857280000",
  "site_customer_identifier": "857280000",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "504.99",
  "payment_currency": "USD",
  "timestamp": "1712699705",
  "status": "chargeback",
  "payment_timestamp": "2024-04-09 14:54:10 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Chargeback",
  "reverse_date": "2024-04-09",
  "reverse_amount": "504.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Cash App",
  "payment_card_last4": "3023",
  "signature": "39bb22c88730d38ab107d863b91bf2165a7136afad0d3ced8f718c5f619a9a72"
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "87801447064"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "82969187346"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "88761074487"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "88761086123"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "87801448175"
    }
  }
}

Cancellation

{
  "pnm_order_identifier": "81745341076",
  "pnm_payment_identifier": "615755708139",
  "site_customer_identifier": "22222234",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "test": true,
  "payment_amount": "175.00",
  "payment_currency": "USD",
  "timestamp": "1712784941",
  "status": "cancel",
  "standin": "false",
  "payment_timestamp": "2024-04-10 14:35:14 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Cancel",
  "reverse_date": "2024-04-10",
  "reverse_code": "canceled",
  "reverse_reason": "Cancel ACH payment",
  "reverse_amount": "175.00",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_bank_name": "Simmons First National Bank",
  "payment_bank_last4": "0397",
  "signature": "500d840f5713cc742431657b426c5382402532faf249e0f6bd04ba995f518bb1"
}
{
  "pnm_order_identifier": "81745341076",
  "pnm_payment_identifier": "798247718387",
  "site_customer_identifier": "22222234",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "test": true,
  "payment_amount": "110.99",
  "payment_currency": "USD",
  "timestamp": "1712785630",
  "status": "cancel",
  "standin": "false",
  "payment_timestamp": "2024-04-10 14:46:33 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Cancel",
  "reverse_date": "2024-04-10",
  "reverse_code": "canceled",
  "reverse_reason": "Canceling payment through API",
  "reverse_amount": "110.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Credit Card",
  "payment_card_last4": "6651",
  "signature": "11805c0ff2cd70081c0be6cf98f8919ac9fdacc1fcc47c4964868e32aeee33de"
}
{
  "pnm_order_identifier": "81745341076",
  "pnm_payment_identifier": "662267747731",
  "site_customer_identifier": "22222234",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "254.99",
  "payment_currency": "USD",
  "timestamp": "1712261820",
  "status": "cancel",
  "payment_timestamp": "2024-04-04 13:16:29 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Cancel",
  "reverse_date": "2024-04-04",
  "reverse_code": "canceled",
  "reverse_reason": "Canceling payment through API",
  "reverse_amount": "254.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Debit Card",
  "payment_card_last4": "3023",
  "signature": "7a468c4e37895987f80b21a8520d7286f92b910a540004fee3a8b7469134797c"
}
{
  "pnm_order_identifier": "89056869216",
  "pnm_payment_identifier": "657491916456",
  "site_customer_identifier": "88888888",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "340.00",
  "payment_currency": "USD",
  "timestamp": "1712868176",
  "status": "cancel",
  "payment_timestamp": "2024-04-11 13:41:42 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Cancel",
  "reverse_date": "2024-04-11",
  "reverse_code": "canceled",
  "reverse_reason": "Canceling payment through API",
  "reverse_amount": "340.00",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "PayPal",
  "payment_card_last4": "3023",
  "signature": "b150771f6bdbc8d6c55e89c7d90dcede42b921866b5e7a1e21e472c0608c9821"
}
{
  "pnm_order_identifier": "89056869216",
  "pnm_payment_identifier": "506588801213",
  "site_customer_identifier": "88888888",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "260.99",
  "payment_currency": "USD",
  "timestamp": "1712868489",
  "status": "cancel",
  "payment_timestamp": "2024-04-11 13:47:51 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Cancel",
  "reverse_date": "2024-04-11",
  "reverse_code": "canceled",
  "reverse_reason": "Canceling payment through API",
  "reverse_amount": "260.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Venmo",
  "payment_card_last4": "6651",
  "signature": "3704a7193b757835b2d289c01dca45be656c193260ebdc20bfe8757d06ca1e15"
}
{
  "pnm_order_identifier": "89056869216",
  "pnm_payment_identifier": "130869081013",
  "site_customer_identifier": "88888888",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "test": true,
  "payment_amount": "404.99",
  "payment_currency": "USD",
  "timestamp": "1712868694",
  "status": "cancel",
  "standin": "false",
  "payment_timestamp": "2024-04-11 13:50:48 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Cancel",
  "reverse_date": "2024-04-11",
  "reverse_code": "canceled",
  "reverse_reason": "Canceling payment through API",
  "reverse_amount": "404.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Cash App",
  "payment_card_last4": "3023",
  "signature": "918fc3174693c858815609fd40d47a1dadc8d9bd0137a51cc9a70bbd59a8893f"
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "81745341076"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "86917348159"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "81745341076"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "89056869216"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "89056869216"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "89056869216"
    }
  }
}

Refund

{
  "pnm_order_identifier": "87801447064",
  "pnm_payment_identifier": "811407586489",
  "site_order_identifier": "857280000",
  "site_customer_identifier": "857280000",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "510.99",
  "payment_currency": "USD",
  "timestamp": "1712782281",
  "status": "refund",
  "payment_timestamp": "2024-04-09 14:52:55 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Refund",
  "reverse_date": "2024-04-10",
  "reverse_code": "refunded",
  "reverse_reason": "merchant_requested",
  "reverse_amount": "510.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
 "payment_bank_name": "Simmons First National Bank",
  "payment_bank_last4": "0397",
  "signature": "4a708290e5b6536d225dadac4a64f822c6027d04fb17233d9eaf3ca915886c5d"
}
{
  "pnm_order_identifier": "87801447064",
  "pnm_payment_identifier": "811407586489",
  "site_order_identifier": "857280000",
  "site_customer_identifier": "857280000",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "510.99",
  "payment_currency": "USD",
  "timestamp": "1712782281",
  "status": "refund",
  "payment_timestamp": "2024-04-09 14:52:55 -0700",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Refund",
  "reverse_date": "2024-04-10",
  "reverse_code": "refunded",
  "reverse_reason": "merchant_requested",
  "reverse_amount": "510.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Credit Card",
  "payment_card_last4": "6379",
  "signature": "4a708290e5b6536d225dadac4a64f822c6027d04fb17233d9eaf3ca915886c5d"
}
{
  "pnm_order_identifier": "84338052224",
  "pnm_payment_identifier": "865410544128",
  "site_order_identifier": "993720000",
  "site_customer_identifier": "44445555",
  "site_payment_identifier": "SPI-123",
  "version": "3.0",
  "payment_amount": "103.99",
  "payment_currency": "USD",
  "timestamp": "1712868858",
  "status": "refund",
  "payment_timestamp": "2024-02-13 11:00:12 -0800",
  "order_payee_identifier": "S2411573363",
  "reverse_type": "Refund",
  "reverse_date": "2024-04-11",
  "reverse_code": "refunded",
  "reverse_reason": "merchant_requested",
  "reverse_amount": "103.99",
  "reverse_currency": "USD",
  "site_identifier": "S2411573363",
  "payment_card_type": "Debit Card",
  "payment_card_last4": "3023",
  "signature": "c162e5e09ed0eb99fe6798bd0fff7693321361e1f6c74f5c3ca3d9f3624a2e76"
}
{
  "pnm_order_identifier": "89189483856",
  "pnm_payment_identifier": "492169570258",
  "site_order_identifier": "8701692210",
  "site_customer_identifier": "909580000",
  "site_payment_identifier": "89189483856-1666367523",
  "version": "3.0",
  "payment_amount": "10.00",
  "payment_currency": "USD",
  "timestamp": "1673405448",
  "status": "refund",
  "payment_timestamp": "2022-10-21 08:52:02 -0700",
  "order_payee_identifier": "S1733026124",
  "reverse_type": "Refund",
  "reverse_date": "2023-01-10",
  "reverse_code": "refunded",
  "reverse_reason": "merchant_requested",
  "reverse_amount": "10.00",
  "reverse_currency": "USD",
  "site_identifier": "S1733026124",
  "payment_card_type": "Venmo",
  "signature": "51baa1b1ee4deb89cfe2e5d3949b871e9efed9b118e2ad873d92816c165afa1d"
}
{
  "pnm_order_identifier": "87122497625",
  "pnm_payment_identifier": "696007825045",
  "site_customer_identifier": "656be087f2b2705d6b8a5907",
  "site_payment_identifier": "42a233bd-0dbd-49d9-800a-2a8611475c7e",
  "version": "3.0",
  "payment_amount": "10.00",
  "payment_currency": "USD",
  "timestamp": "1708872023",
  "status": "refund",
  "payment_timestamp": "2024-02-11 10:01:46 -0800",
  "order_payee_identifier": "S2893783906",
  "reverse_type": "Refund",
  "reverse_date": "2024-02-25",
  "reverse_code": "refunded",
  "reverse_reason": "merchant_requested",
  "reverse_amount": "10.00",
  "reverse_currency": "USD",
  "site_identifier": "S2893783906",
  "payment_card_type": "Venmo",
  "signature": "5455fd5042afd3e4e2f5ea47527c482f15ca928619570796b6cfd008de48c8c0"
}
{
  "pnm_order_identifier": "87122497625",
  "pnm_payment_identifier": "696007825045",
  "site_customer_identifier": "656be087f2b2705d6b8a5907",
  "site_payment_identifier": "42a233bd-0dbd-49d9-800a-2a8611475c7e",
  "version": "3.0",
  "payment_amount": "10.00",
  "payment_currency": "USD",
  "timestamp": "1708872023",
  "status": "refund",
  "payment_timestamp": "2024-02-11 10:01:46 -0800",
  "order_payee_identifier": "S2893783906",
  "reverse_type": "Refund",
  "reverse_date": "2024-02-25",
  "reverse_code": "refunded",
  "reverse_reason": "merchant_requested",
  "reverse_amount": "10.00",
  "reverse_currency": "USD",
  "site_identifier": "S2893783906",
  "payment_card_type": "Cash App",
  "signature": "5455fd5042afd3e4e2f5ea47527c482f15ca928619570796b6cfd008de48c8c0"
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "87801447064"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "87801447064"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "84338052224"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "89189483856"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "87122497625"
    }
  }
}
{
  "payment_reverse_response": {
    "version": "3.0",
    "reverse_payment": {
      "pnm_order_identifier": "87122497625"
    }
  }
}