# Refunds and store credit

> How refunds are paid — back through the payment gateway, manually by UPI or bank transfer with a UTR, or as store credit — and how customers spend credit.

Product: NijeesWeb online store builder · Source: https://www.nijeesweb.com/docs/ecommerce/orders/refunds-and-store-credit · Updated 2026-10-06

Refunds come from cancellations and returns you approve on **Orders → Returns**. How each one is paid follows your [returns policy](https://www.nijeesweb.com/docs/ecommerce/orders/returns-policy).

## Three ways a refund is paid

### Back to the original payment method

For orders paid online, the refund is sent through the same gateway, to the customer's card, UPI or bank account. This works with **Razorpay, PhonePe, Cashfree, PayU, Paytm, Stripe and PayPal**. The money usually reaches the customer in 5–7 working days, depending on their bank.

**CCAvenue** refunds cannot be sent from your admin: refund in the CCAvenue dashboard, then record it as a manual refund.

If the gateway refuses the refund and **If the gateway fails: Fall back to a manual refund** is on, it becomes a manual refund for you to pay.

### Manually

You pay the customer yourself — by UPI or bank transfer — then record it: on the request, enter the **UTR** (the transaction reference) and select **Mark paid**. Cash-on-delivery orders are always refunded this way, as there is no online payment to reverse.

### As store credit

The amount is added to the customer's **store credit** balance, to spend on their next order. Store credit must be switched on in your policy (**Enable store credit**), with an optional **Validity (days)**.

## How customers use store credit

Signed-in customers with a balance can choose to use it at checkout. It is taken off what they pay, up to the order total. If credit covers the whole order, no payment method is needed and the order is confirmed straight away. If an order paid with credit is cancelled, the credit is returned.

Store credit belongs to a customer **account** — guests checking out without an account cannot receive or spend it.

## What is refunded

The request shows the breakdown before you pay:

- **Goods** — the items' price, their share of any discount, and their GST.
- **Shipping refunded** — when your policy refunds shipping on cancellations or returns.
- **Deductions** — the return shipping fee and restocking fee your policy sets.
- **Refund due** — what the customer gets.

## Checking a refund

- Gateway refunds — select **Sync** on the refund to fetch its latest state from the gateway.
- Manual refunds — the UTR you entered is shown with the refund.
- The customer sees the refund on their order — *Refund (if any)* — with the amount.

> [!NOTE]
> The store does not email customers about refunds. Message them when you have paid, especially for manual refunds.