# Reverse

> Undo a captured payment before it settles — faster than a refund because funds never leave the issuer.

A reversal undoes a captured payment on the same business day, before settlement completes. Because the funds have not yet moved out of the issuer's holding, a reversal resolves faster than a standard refund — typically within hours rather than days.

| Operation                                          | When to use                          | Timing                     |
| -------------------------------------------------- | ------------------------------------ | -------------------------- |
| [Cancel](/docs/payments/payment-operations/cancel) | Authorization not yet captured       | Immediate                  |
| **Reverse**                                        | Captured, not yet settled (same day) | Hours                      |
| [Refund](/docs/payments/payment-operations/refund) | Already settled                      | 5–10 business days (cards) |

> The reversal window is typically the same business day as the capture. Once settlement runs, the payment can no longer be reversed — use a refund instead.

## Reverse via API

```typescript
import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const reversal = await vinr.payments.reverse('pay_3Nf8x2a');

// reversal.status → "pending"
```

```bash
curl -X POST https://api.vinr.com/v1/payments/pay_3Nf8x2a/reverse \
  -H "X-Api-Key: $VINR_SECRET_KEY"
```

The response has `status: "pending"` — the reversal is processed asynchronously. If the settlement window has already closed, VINR automatically converts the reversal into a standard refund and you receive a `refund.created` event instead.

## Reverse in VINR Dashboard

1. Go to **Dashboard → Payments**.
2. Open the payment.
3. Select **Reverse** and confirm.

The option is only shown while the payment is eligible for reversal. If the window has passed, the button is replaced by **Refund**.

## Webhooks

| Event              | When it fires                                                                |
| ------------------ | ---------------------------------------------------------------------------- |
| `payment.reversed` | Reversal accepted and processed.                                             |
| `refund.created`   | Settlement window closed — VINR converted the reversal to a standard refund. |

```typescript
const event = vinr.webhooks.verify(rawBody, req.headers['x-vinr-signature']);

switch (event.type) {
  case 'payment.reversed':
    await markOrderReversed(event.data.paymentId);
    break;
  case 'refund.created':
    // Reversal converted to refund — track the refund lifecycle instead
    await trackRefund(event.data.id);
    break;
}
```

## Next steps

[Refund](/docs/payments/payment-operations/refund) — Return funds after settlement completes.

[Cancel](/docs/payments/payment-operations/cancel) — Void an authorization before capture.