Smarter Refund Handling for Card-Linked Offers

Victoria Olawale
September 11, 2025
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Introducing new qualified refund webhooks that help you reverse rewards with confidence and accuracy.

Introduction:

At Fidel API, we are constantly looking for ways to make reward programs more accurate, seamless, and transparent. One area we identified for improvement is how refunds are managed in card-linked offers.

When a transaction that earned a reward is later refunded, the associated cashback or points need to be adjusted. Until now, this process could feel less straightforward than it should be. Our new qualified refund webhooks make it simple, consistent, and reliable.

Why We Introduced This

We noticed that many of our users wanted more clarity when managing refunds. Existing refund webhooks provided information on all refunds, regardless of whether the original transaction qualified for a reward. This sometimes made it difficult to align program logic with actual customer spend.

The new approach provides exactly the data you need to decide when and how to reverse reward value. This ensures that your program stays both cost-effective and customer-friendly.

What’s New

We have added two new webhooks designed specifically for qualified transactions:

  • transaction.refund.auth.qualified
    Fires only when the original authorization qualified for a reward.

  • transaction.refund.clearing.qualified
    Fires only when the clearing event qualified.

Both webhooks provide clear data including the cashback amount, original offer ID, and transaction details. This allows you to confidently reverse rewards only when they were actually earned in the first place.

The Benefits

Financial Accuracy
Reward value is only reversed when appropriate, protecting your program’s budget.

Stronger Customer Relationships
Customers experience consistent and fair treatment, strengthening long-term trust.

Operational Simplicity
Refund handling becomes automated and predictable, reducing complexity and manual intervention.

Scalability
This enhancement was designed to support large-scale, real-time reward programs, making it easier to grow with confidence.

Who It Helps

These new webhooks are valuable for:

  • Retailers and brands running card-linked loyalty or cashback programs

  • Financial institutions offering rewards through linked cards

  • Developers building real-time engagement experiences with Fidel API

Getting Started

If you are using existing refund webhooks, you can begin transitioning to the new endpoints based on your reward model (authorization or clearing).

If you are new to Fidel API, this feature is part of our broader mission to provide accurate, transparent, and scalable infrastructure for card-linked rewards.

To learn more, please get in touch with our team or review our updated developer documentation.