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digitick / php-sepa-xml

* THIS PROJECT IS NO LONGER MAINTAINED* SEPA file generator in PHP
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Refund? #60

Open jviure opened 8 years ago

jviure commented 8 years ago

Hi! I'm working with the 008.001.02 schema. It's posible to do a refund? multiply by -1 the amount? thanks!

BorislavSabev commented 8 years ago

Hello. Normally refunds are separate transfers. I don't know if the bank will do a reverse transfer if you specify an amount < 0. The ISO20022 spec for sure does not do this, a debit is a debit, a credit - a credit. This is basic accounting. I create separate transfers for this functionality. For example if I have to refund someone who we already charged via a DirectDebit I will create a separate CreditTransfer payment in order to refund him.