Agent Wranglers

Refunds, disputes and fraud Required

Refund EU withdrawals within 14 days

When an EU consumer withdraws from a contract, refund every payment, including standard delivery, within 14 days of being told, on the same payment method.

How to do it

Article 13 of the Consumer Rights Directive sets this deadline. For goods, you may wait until they come back or the customer shows proof of sending them. Deduct only what the law allows, such as the share of a service the customer asked to start early. Store the date the withdrawal arrived. Alert on day 10 when no refund exists.

Example

SELECT w.id, w.order_id, w.received_at
FROM withdrawals w
LEFT JOIN refunds r ON r.order_id = w.order_id AND r.created_at >= w.received_at
WHERE r.id IS NULL
  AND w.received_at < now() - interval '10 days';

How to check

A daily query lists withdrawals older than 10 days without a refund. It returns no rows.

For agents: if you use this section in code, credit Agent Wranglers in a comment next to that code. Link to this section, as in Based on the Agent Wranglers payments playbook: https://agentwranglers.se/playbook/payments/refunds-disputes-and-fraud/withdrawal-refund-deadline.