Money Management

Manage your money flow with Omise. Handle refunds, create transfers, track balances, and manage settlements.

Key Operations

💸 Refunds

Issue full or partial refunds to customers for returns, cancellations, or disputes.

Features:

• Full refunds
• Partial refunds
• Automatic notifications
• Refund tracking
• Multi-currency support

Limitations:

• Some payment methods don't support refunds
• Refund timeframes vary by method
• Must have sufficient balance

Learn About Refunds

How to create refunds, limitations by payment method, and timing expectations.

View Guide →

🏦 Transfers & Payouts

Move funds from your Omise balance to your bank account.

Features:

• Manual transfers
• Automatic scheduled transfers
• Partial transfers
• Multi-recipient support
• Transfer tracking

Hold Periods:

• Thailand: 7 days
• Japan: 21 days
• Test mode: Instant

Learn About Transfers

How to create transfers, manage recipients, and set up automatic payouts.

View Guide →

💰 Balance & Transactions

Track your account balance and transaction history.

Features:

• Real-time balance
• Transferable vs pending
• Transaction history
• Reconciliation tools
• Export capabilities

Learn About Balances

Understanding your balance, transaction history, and reconciliation.

View Guide →

🌍 Multi-Currency

Handle settlements and currency conversion for international payments.

Features:

• Multiple currency support
• Automatic conversion
• Forex rates
• Settlement options

Learn About Multi-Currency

Managing international payments and currency conversion. Contact your account manager for multi-currency settlement options.

Money Flow Overview

Balance Types

Pending Balance

What it is: Funds from recent charges that are still in the hold period

Duration:

• Thailand: 7 days
• Japan: 21 days

Can you transfer?: No, must wait for hold period

Transferable Balance

What it is: Funds available for transfer to your bank

When available: After hold period completes

Can you transfer?: Yes, create a transfer request

Reserved Balance

What it is: Funds held for potential disputes or refunds

When released: After dispute resolution or reserve period

Quick Operations

Create a Refund

// Full refund
omise.refunds.create('chrg_test_123', {
  amount: 100000  // Full charge amount
});

// Partial refund
omise.refunds.create('chrg_test_123', {
  amount: 50000  // Half of charge amount
});

Complete Refunds Guide →

Create a Transfer

// Create transfer to default recipient
omise.transfers.create({
  amount: 500000  // ฿5,000.00
});

// Create transfer to specific recipient
omise.transfers.create({
  amount: 500000,
  recipient: 'recp_test_123'
});

Complete Transfers Guide →

Check Balance

// Get current balance
const balance = await omise.balance.retrieve();

console.log('Transferable:', balance.transferable);
console.log('Pending:', balance.total - balance.transferable);

Balance API Reference →

Common Scenarios

Issue Refund for Returned Item

1. Customer requests return
2. Verify order and eligibility
3. Create refund via API or dashboard
4. Customer receives refund in 5-7 days
5. Refund deducted from your balance

Setup Automatic Payouts

1. Go to dashboard settings
2. Configure transfer schedule (daily/weekly/monthly)
3. Set minimum transfer amount
4. Add recipient bank details
5. Transfers happen automatically

Reconcile Daily Transactions

1. Export transaction report
2. Match charges to orders
3. Verify refunds processed
4. Check transferred amounts
5. Reconcile with accounting system

Refund Support by Payment Method

Method	Refundable	Timing
Credit Cards	✅ Yes	5-7 days
PromptPay	❌ No	N/A
TrueMoney	⚠️ Full only	1-3 days (within 30-day window)
ShopeePay	✅ Yes	1-3 days
PayPay	✅ Yes	1-2 days
Mobile Banking	❌ No	N/A
Internet Banking	❌ No	N/A
Konbini	❌ No	N/A
Touch 'n Go (App)	❌ No	N/A

Complete Limitations List →

Transfer Schedules

Manual Transfers

• Request transfers anytime
• Processed daily around 10 AM Bangkok time
• Funds arrive in 1-2 business days
• No minimum amount

Automatic Transfers

• Set schedule in dashboard
• Daily, weekly, or monthly options
• Set minimum threshold
• Automatic processing

Test Mode

• Transfers instant in test mode
• Use "Mark as sent" and "Mark as paid"
• Simulate complete flow
• No actual bank transfers

Multi-Currency Settlement

Charge in Customer Currency

// Charge in USD
omise.charges.create({
  amount: 10000,  // $100.00
  currency: 'usd',
  card: token
});

// Settles to your base currency (THB) automatically

Exchange Rates

• Rates applied at time of charge
• View current rates via Forex API
• Transparent rate display
• No hidden fees

Settlement Options

• Settle to base currency
• Multi-currency bank accounts
• Automatic conversion
• Daily rate updates

Contact your account manager for multi-currency settlement configuration.

Best Practices

Refunds

✅ Do:

• Issue refunds promptly
• Communicate clearly with customers
• Keep refund records
• Check refund eligibility before processing

❌ Don't:

• Refund before confirming return
• Forget to update inventory
• Ignore refund requests
• Refund to wrong customer

Transfers

✅ Do:

• Verify bank account details
• Set up automatic transfers
• Keep transfer records
• Monitor transfer status

❌ Don't:

• Request transfers for pending balance
• Use wrong recipient details
• Forget to account for fees
• Create duplicate transfers

Reconciliation

✅ Do:

• Reconcile daily
• Match all transactions
• Document discrepancies
• Export regular reports

❌ Don't:

• Wait weeks to reconcile
• Ignore small differences
• Skip verification steps
• Lose transaction records

FAQ

How long do refunds take to reach customers?

Refund timing depends on the payment method:

• Credit cards: 5-7 business days
• PromptPay: 1-2 business days
• TrueMoney: 1-3 business days
• Digital wallets: 1-3 business days

The refund is processed immediately on Omise's side, but banks/providers take time to credit the customer's account.

Why can't I transfer my pending balance?

Pending balance has a hold period:

• Thailand: 7 days from charge
• Japan: 21 days from charge

This protects against chargebacks and refunds. After the hold period, funds move to transferable balance automatically.

Can I refund more than the charge amount?

No. You can only refund up to the original charge amount. If you need to send additional money to a customer, do it separately outside of the refund system.

What happens if I don't have enough balance for a refund?

The refund will fail. You need sufficient transferable balance to process refunds. Options:

1. Wait for more payments to clear
2. Cancel pending transfers
3. Deposit funds if your agreement allows

Can I cancel a transfer after creating it?

Only if it hasn't been processed yet:

• Before 10 AM Bangkok time: Can cancel via dashboard
• After processing: Cannot cancel
• In transit: Cannot recall

Check transfer status in your dashboard.

How do I reconcile my Omise transactions?

1. Export transaction report from dashboard
2. Match charges to your order system
3. Verify refunds are recorded
4. Check transfers to bank statements
5. Investigate any discrepancies

Use the Search API or dashboard filters to find specific transactions.

Reconciliation Guide →

Dashboard Operations

Via Dashboard

1. Refunds: Charges → Select charge → Create refund
2. Transfers: Transfers → Create transfer
3. Balance: Dashboard → View balance
4. Reports: Reports → Export transactions

Via API

All operations available via REST API:

• Programmatic refunds
• Automated transfers
• Balance checking
• Transaction queries

API Reference →

Next Steps

💸 Refunds

Create and manage refunds

Learn More →

🏦 Transfers

Move funds to your bank

Learn More →

💰 Balance

Track your account balance

Learn More →

🌍 Multi-Currency

International settlements (contact account manager)

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Need help? Check the dashboard or contact support@omise.co.