Cancel Payments When Plans Change

Sometimes payments need to be stopped - a customer changes their mind, duplicate payment detected, or wrong beneficiary details. Inventi handles the cancellation protocol with the beneficiary bank on your behalf.

What happens when you cancel a payment:

You submit a cancellation request via API
Inventi sends a camt.056 message through CSM
The beneficiary bank accepts or rejects the request
You receive the outcome via webhook

Cancellation is a request, not a guarantee. The beneficiary bank may accept or reject based on whether funds have been credited.

API Reference

Cancel Transaction

Initiate a cancellation request

Cancellation Status Webhook

Track cancellation lifecycle

Get Cancellation Request

Retrieve cancellation details

List Cancellation Requests

Search cancellation requests

How It Works

Request Flow

You submit a cancellation request via API
The platform creates a cancellation record and returns a cancellationId
A camt.056 message is sent to the beneficiary bank
You receive webhook updates as the request progresses

Possible Outcomes

The beneficiary bank can:

Accept: funds come back as a payment return (pacs.004) - a new linked inbound transaction; the original settled payment stays Completed
Reject: Original transaction proceeds normally
Refuse: the beneficiary bank declines to return the funds (camt.029 refusal - CANCELLATION_REFUSED)

Never assume cancellation succeeded until the webhook indicates PAYMENT_RETURNED.

Initiate Cancellation

curl -X POST https://api.pgw-sandbox.finventi.com/v1/transactions:cancel \
  -H "Authorization: Bearer {token}" \
  -H "Content-Type: application/json" \
  -d '{
    "transaction_ids": ["trx_123456"],
    "reason": "CUST"
  }'

{
  "cancellationId": "cancel_789",
  "status": "CANCELLATION_CREATED"
}

Cancellation Statuses

In Progress
Final States

Status	Description
`CANCELLATION_CREATED`	Request initiated
`CANCELLATION_IN_PROGRESS`	camt.056 sent to the beneficiary bank
`RETURNING`	Payment return in progress
`REFUSING`	Refusal in progress

Status	Description
`PAYMENT_RETURNED`	Funds returned - a new linked return transaction is created (success outcome)
`CANCELLATION_REFUSED`	Beneficiary bank refused to return the funds (camt.029)
`PROCESSING_FAILED`	Processing failed - the request needs attention

Historical cancellation requests may also show the legacy statuses CANCELLATION_ACCEPTED, CANCELLATION_REJECTED, and CANCELLATION_COMPLETED - these are no longer emitted for new requests.

Track Both States

Cancellation and transaction states are independent. Monitor both via webhooks.

Cancellation Accepted

Cancellation: CANCELLATION_IN_PROGRESS → RETURNING → PAYMENT_RETURNEDTransaction: original stays Completed; a new linked payment return transaction credits the funds back

Cancellation Refused

Cancellation: CANCELLATION_IN_PROGRESS → REFUSING → CANCELLATION_REFUSEDTransaction: CompletedPayment settles normally

Data Model

string

required

Original transaction reference

string

required

Cancellation request identifier

string

required

Track separately from transaction status

array

required

Append-only for audit

Integration Checklist

Handle cancellation webhooks

Upsert by cancellationId to track cancellation state separately from transaction state

Link cancellation to transaction

Maintain the relationship between trx_id and cancellationId in your database

Display states separately

Show cancellation progress independently from transaction status in your UI

Wait for completion

Only consider a cancellation final when the webhook indicates PAYMENT_RETURNED or CANCELLATION_REFUSED

What’s Next?

You now understand exception handling for outbound payments. Complete your integration with inbound exceptions and reconciliation:

Respond to Cancellations

Handle incoming cancellation requests

Return Inbound Payments

Return funds when you can’t credit the beneficiary

Track and Reconcile

Monitor transactions and reconcile with statements

Getting Started

Integration Guide

Account Management

SEPA Instant/SCT

SEPA Direct Debit

SWIFT Payments

Payment Information

Investigations (Preview)

Nostro Accounts

Bank Information

Webhooks

Cancel Outbound Payments

Cancel Payments When Plans Change

API Reference

Cancel Transaction

Cancellation Status Webhook

Get Cancellation Request

List Cancellation Requests

How It Works

Initiate Cancellation

Cancellation Statuses

Track Both States

Cancellation Accepted

Cancellation Refused

Data Model

Integration Checklist

What’s Next?

Respond to Cancellations

Return Inbound Payments

Track and Reconcile

​Cancel Payments When Plans Change

​API Reference

Cancel Transaction

Cancellation Status Webhook

Get Cancellation Request

List Cancellation Requests

​How It Works

​Initiate Cancellation

​Cancellation Statuses

​Track Both States

Cancellation Accepted

Cancellation Refused

​Data Model

​Integration Checklist

​What’s Next?

Respond to Cancellations

Return Inbound Payments

Track and Reconcile

Cancel Payments When Plans Change

API Reference

How It Works

Initiate Cancellation

Cancellation Statuses

Track Both States

Data Model

Integration Checklist

What’s Next?