A return is the return of an incoming payment or payment order.

Attribute	Description
id string	The return ID.
object string	Always `return`.
connected_account_id string	The ID of the connected account used to send or receive the return.
type string	The payment scheme or network. Supported types are: - `sepa` - `sepa_instant` - `swift` - `target2` - `target2_fi_to_fi` - `fps`
return_type string	The type of return, when available. For instance `return`, `refund`, or `reversal`.
direction string	The direction of the return: - `credit` for returns related to credit or instant credit transfers - `debit` for returns related to direct debits.
related_payment_type string	The type of the payment returned, either `payment_order` or `incoming_payment`
related_payment_id string	The ID of the payment returned.
return_reason string	The return reason. Authorised reasons depend on the payment scheme. For SEPA, refer to SEPA reason codes.
value_date date	The value date of the return.
returned_amount integer	The payment amount, in the currency's smallest unit. For instance, euro smallest unit is cents and €20 is thus represented as `2000`.
currency string	The return currency. Only `EUR` is supported.
receiving_account_number string	The account number of the account receiving the return.
status string	The return status. It will be updated as the return is processed.
status_details string	The return status details.
reconciliation_status string	The return reconciliation status. Either `unreconciled`, `reconciled`, or `partially_reconciled`.
reconciled_amount integer	The amount reconciled, calculated as the sum of the reconciliations created for this payment order.
payment_validation object	Information about the payment validation, like the validation rules and validation statuses.
metadata object	Additional data in JSON `key:value` format. See Metadata.
bank_data object	Bank data in JSON `key:value` format.
cbs_data _object	This object contains all relevant information about the payment in the context of the integration with Mambu Core. Learn more in our dedicated guides Mambu Deposits integration and Mambu Lending integration.
created_at datetime	The return creation UTC timestamp.

Below is an example of a return:

{
   "id": "a117fdf3-0f5d-46f1-abe8-57b8e78f6226",
   "object": "return",
   "connected_account_id": "050b18a2-fe5a-47c5-8692-50cf6663c259",
   "type": "sepa",
   "return_type": "return",
   "related_payment_id": "9c95044f-73bb-425e-bf66-74cb3a03647d",
   "related_payment_type": "incoming_payment",
   "return_reason": "AC04",
   "value_date": "2025-10-17",
   "returned_amount": 2000,
   "currency": "EUR",
   "receiving_account_number": "FR6010096000306973462461G47",
   "status": "executed",
   "status_details": "",
   "reconciliation_status": "reconciled",
   "reconciled_amount": 2000,
   "payment_validation": {
     "status": "successful",
     "validation_results": [{
       "payment_validation_rule_id": "f1613230-50d6-49cd-89d1-0f019f71f7c7",
       "status": "successful",
       "validations": [
          [{
            "type": "liquidity_screening",
            "status": "successful",
            "status_details": "balance correct",
            "resource_id": "123-ABC",
            "resource_url": "my-liquidity.com/123-ABC"
          }],
          [{
            "type": "sanctions_screening",
            "status": "successful",
            "status_details": "no match",
            "resource_id": "DEF-456",
            "resource_url": "my-sanction.com/DEF-456"
          }]
        ]
     }]
   },
   "metadata": {},
   "bank_data": {
     "file_id": "9ac03610-02b6-421c-958a-de17088b1901",
     "message_id": "7d0665620d",
     "transaction_id": "dfe7eb0b9c",
     "end_to_end_id": "1061b6c83f"
   },
  "cbs_data": {
    "transactions": [{
			"id": "1534",
			"type": "withdrawal",
			"channel": "cash",
			"context": "deposit",
			"booked_at": "2026-03-03T13:04:12.886736405Z",
			"account_id": "JELM775",
			"external_id": "019cb3cc-3b38-7d0a-b2be-58e8aeea2486",
			"authorization_id": "bcee9199-3194-449c-bd73-750e4d3454e6"
		}],
    "loan_ids": null,
    "credit_arrangement_id": null
  },
   "created_at": "2025-10-17T15:12:20.644356Z"
}