DEVELOPER GUIDE

Cancel a Payment Request or Payout

Learn when a transaction can be cancelled, how to cancel it via API or the Zepto dashboard, and what to do if the transaction has already progressed too far.

There may come a time when you wish to cancel a transaction that has already been created, this could be due to a customer requesting a change to their Debit amount or simply a transaction made in error that you wish to stop processing. Whatever the reason, this article will explain when you are able to and how you can cancel a Payment Request or Payment.

Overview

When a dispute is raised by the bank, Zepto creates the investigation, notifies your platform, and requests merchant action.

Warning

Make sure you submit evidence before the due date. Missing the deadline may result in the case being closed or rejected.

Success

Once accepted, the action request is completed and the dispute workflow progresses accordingly.

Important

Rejecting an action request without the correct review may cause avoidable operational issues.

Tip

Retrieve the investigation first, then inspect the active action request so you can present the right next step to your merchant.

When you can cancel

Only before matured
After this stage, bank processing has started
Cancellation is no longer possible

Cancel via API

DELETE /payment_requests/{id}
DELETE /payouts/{debit_id}
Returns 204 on success

If cancellation fails

Returns 400 error
Usually already processing or matured
Proceed with refund instead

Cancellation Flow

Locate the Payment Request or Payout

Check if debit status is before matured

Send the appropriate DELETE request

If too late → allow processing and issue refund

API Endpoints

Payment Request

DELETE /payment_requests/PR.1234

Cancels a pending payment request.

Payout

DELETE /payouts/D.1234

Cancels a payout using the debit reference.

Confirm transaction is cancellable

Send DELETE request

Expect 204 on success

Expect 400 if already processing