Record a payoff refund
curl --request POST \
--url https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"amount": "297.48",
"refundedAt": "2026-10-07T15:00:00Z"
}
'package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds"
payload := strings.NewReader("{\n \"amount\": \"297.48\",\n \"refundedAt\": \"2026-10-07T15:00:00Z\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({amount: '297.48', refundedAt: '2026-10-07T15:00:00Z'})
};
fetch('https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds"
payload = {
"amount": "297.48",
"refundedAt": "2026-10-07T15:00:00Z"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text){
"amount": "297.48",
"amountOutstanding": "197.48",
"amountRefunded": "100.00",
"amountToRefund": "297.48",
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"loanAccountId": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"refundedAt": "2023-11-07T05:31:56Z",
"requestId": "<string>",
"settledAt": "2023-11-07T05:31:56Z"
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}Record a payoff refund
Records that the client paid the borrower, outside the Lender, part or all of what a settled contract owes back, and books it in the same transaction: Dr unapplied cash / Cr cash through the product’s collection_refund rule. Redelivering the same X-Idempotency key replays the refund and moves nothing; the same key with another amount is refused.
POST
/
api
/
v1
/
br
/
loan-accounts
/
{id}
/
payoff-refunds
Record a payoff refund
curl --request POST \
--url https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"amount": "297.48",
"refundedAt": "2026-10-07T15:00:00Z"
}
'package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds"
payload := strings.NewReader("{\n \"amount\": \"297.48\",\n \"refundedAt\": \"2026-10-07T15:00:00Z\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("Authorization", "Bearer <token>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({amount: '297.48', refundedAt: '2026-10-07T15:00:00Z'})
};
fetch('https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://lender.sandbox.lerian.net/api/v1/br/loan-accounts/{id}/payoff-refunds"
payload = {
"amount": "297.48",
"refundedAt": "2026-10-07T15:00:00Z"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text){
"amount": "297.48",
"amountOutstanding": "197.48",
"amountRefunded": "100.00",
"amountToRefund": "297.48",
"id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"loanAccountId": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
"refundedAt": "2023-11-07T05:31:56Z",
"requestId": "<string>",
"settledAt": "2023-11-07T05:31:56Z"
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}{
"code": "<string>",
"detail": "Property foo is required but is missing.",
"errors": [
{
"location": "<string>",
"message": "<string>",
"value": "<unknown>"
}
],
"instance": "https://example.com/error-log/abc123",
"status": 400,
"title": "Bad Request",
"type": "https://example.com/errors/example",
"upstream": {
"code": "E4001",
"message": "account not found at provider"
}
}Authorizations
JWT bearer token issued by the identity provider.
Headers
Idempotency key of the refund: 1 to 255 bytes of UTF-8. The route refuses a request without it, or with a blank, longer or non-UTF-8 one (LENDER-0917). X-Request-ID is never read as the key.
Path Parameters
Settled loan account.
Body
application/json
Amount paid to the borrower (2 d.p. string): above zero and at most what the contract still owes.
Example:
"297.48"
RFC 3339 instant the money left by Pix or TED, between the contract's settlement and now, tolerating 5 minutes of client clock skew. Defaults to now.
Example:
"2026-10-07T15:00:00Z"
Response
Created
Amount refunded (2 d.p. string).
Example:
"297.48"
What the client still has to pay the borrower (2 d.p. string).
Example:
"197.48"
What the client has recorded as paid back so far (2 d.p. string).
Example:
"100.00"
The held cash left on the settled contract, whatever settled it, owed back to the borrower: what the borrower's payments left unapplied and the interest moved there for days after the exit (2 d.p. string).
Example:
"297.48"
Recorded refund.
Settled loan account.
RFC 3339 instant the money left.
X-Idempotency key the refund was recorded under.
RFC 3339 instant the contract settled.
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