Enterprise infrastructure for

refunds

instant refunds

check replacement

appeasements

loyalty

coupons

rewards

edge cases

refunds

refunds

TodayPay® is the alternative payment method for refunds. Merchants in full control of the experience. Customers get instant resolution. Turn refunds into repurchases, retention and revenues.

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Payments are instant. Refunds are not.

Businesses have spent decades optimizing how customers pay, yet refunds remain slow, fragmented, and difficult to manage. Customers wait, support teams handle avoidable contacts, and finance teams spend time resolving issues. TodayPay fixes the infrastructure behind the refund.

One platform for every way you send money back to customers.

TodayPay provides the infrastructure enterprises need to initiate, manage, deliver and track customer refunds and other post-purchase payments.

Refunds
Modernize traditional customer refunds with faster delivery and more payment choice.
Instant Refunds
Give eligible customers immediate access to their money instead of waiting for legacy refund settlement.
Paper Check Replacement
Replace printing, mailing, tracking, replacing and reconciling paper refund checks with a digital experience.
Customer-Initiated Refunds
Let customers securely submit refund requests, receipts and supporting information while TodayPay automates the workflow.
Appeasements
Give contact center and customer experience teams a controlled way to resolve customer problems with money.
Claims & Reimbursements
Digitize customer payments that sit outside the traditional card refund workflow.
Alternative Refund Methods
Give customers more ways to receive their money instead of being limited by the original payment method.
Loyalty
Turn eligible refund value into another opportunity to retain the customer relationship.
Recalls
Give customers a consistent refund experience and handle the edge cases and exceptions.
SOC 2 Compliant  |  PCI DSS Compliant  |  Enterprise Ready
Trusted to power refunds for leading enterprises

TodayPay helps leading enterprises deliver faster, more flexible refund experiences through modern refund infrastructure.

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Fortune 500
30+ countries
Enterprise-grade infrastructure
How it works
Keep your systems.
Upgrade your refunds.

TodayPay sits between your refund workflow and your customer. Keep the systems you already use. TodayPay modernizes what happens next.

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Initiate
A refund or customer payment is initiated from your existing environment.
Orchestrate
TodayPay applies your business rules, controls, permissions, approvals and payment options.
Resolve
The customer receives a secure TodayPay experience and chooses from the refund methods available to them.
Reconcile
Your teams receive the transaction data, status and reporting needed to close the loop.
No rip-and-replace. No new refund stack. Just better infrastructure between you and your customer.
One refund. More choice. full control.

TodayPay makes refunds a programmable liquidity event

Stop treating every refund like the same payment. The way a customer paid shouldn’t dictate how they get their money back.

TodayPay gives enterprises the infrastructure to offer a configurable range of eligible refund methods so you decide what’s available and your customers choose what works best for them.

You control the options. They choose the method.

Less admin. More resolution.

TodayPay removes manual workflows so you can get back to business faster.

Chasing receipts
45 minutes per week
Receipts arrive late, get lost, or need follow-ups.
investigating claims
1 hour per week
Validating claims, investigating, resolving.
Approvals
1–2 hours per week
Exception handling, onboarding customers as vendors.
Figuring out resolution
1 hour per week
Write a check? Call the customer? Collect bank details?
WASTED TIME
4–6 hours per week
Precious time of multiples teams diverted from the highest priorities.
COST
$100+
Cost of staff time and administration often exceeds the value of the refund itself.

Delegate refund
workflow requests

Some refunds begin with a return. Others begin with an email, phone call, complaint, damaged order, missing item, receipt or claim.

TodayPay lets enterprises send customers a secure link where they can provide the information needed to resolve the issue themselves.

Collect
Bring every refund request and the information needed to resolve it into one secure workflow.
Orchestrate
Apply your business rules to automate decisions, request additional information, or route exceptions to your team.
Deliver
Deliver the refund through the appropriate payment method and create an auditable record of every transaction.
Business impact

Refunds aren't just a payments problem.

They affect nearly every part of the enterprise.

01
Resolve problems while you still have the customer.

A refund usually happens when something has already gone wrong. Resolve it quickly and turn a negative customer moment into an opportunity to rebuild trust with faster resolution, greater payment choice, better refund visibility, and fewer “Where is my refund?” support contacts.

02
Modernize the money moving out of your business.

Replace fragmented refund processes with controlled payment infrastructure that reduces dependence on paper checks, manual payment operations, and disconnected systems while improving visibility and reconciliation. Enable digital payment delivery, centralized controls, transaction reporting, and streamlined payment reconciliation.

03
Automate the work behind every refund.

Move repetitive refund administration away from employees. TodayPay can automate intake, approvals, customer communications, payment delivery, and exception handling while routing cases that need attention back to your team. Reduce manual processing, customer contacts, and operational effort with automated workflows built around exception-based operations.

04
The purchase doesn't end when the customer returns something.

The refund experience can influence whether the next transaction happens. Use refund speed, payment choice, and merchant value to keep customers engaged with your brand after a return. Increase repurchase opportunities, support customer retention, promote merchant credit, and create meaningful post-refund engagement.

05
Add refund capabilities without rebuilding your payments stack.

TodayPay operates as an additional refund infrastructure layer alongside your existing processors, acquirers, payment methods, and enterprise systems. Expand what your refund stack can do without replacing the systems and processes that already work for your business.

Automation without
giving up control.

Enterprise refunds need more than a payment button. TodayPay gives businesses configurable controls around who can issue money, how much they can issue and when human approval is required.

Approval Rules
Define when refunds can be automatically processed and when approval is required.
User Permissions
Control access by employee, function or role.
Transaction Limits
Set thresholds based on your business requirements.
Business Hierarchies
Organize refund activity by market, region, brand, business unit, location or store.
Exception Management
Route unusual transactions to the appropriate team.
Event History
Maintain visibility into the lifecycle of each transaction.
Reporting
Give Finance, Payments and Operations teams the data they need.
Reconciliation
Real-time visibility of transactions instantly balancing the books.
Controls
Immediate resolution without losing control.

Integration in minutes

Start without engineering. Scale with an API. Enterprise transformation doesn't need to begin with a 12-month integration project. TodayPay supports multiple deployment models.

No-Code Dashboard
Give authorized employees the ability to initiate refunds immediately through a secure enterprise interface.
Finance
Accounts Payable
guest relations
POST-PURCHASE
APPEASEMENT
EXCEPTIONS
OPERATIONS
Store MANAGER
Customer service
Batch File
Send refund instructions through existing secure enterprise file workflows.
Legacy systems
accounts payable
payments
RETENTION MARKETING
LOYALTY
FINANCE
OPERATIONS
High-volume processes
API
Embed TodayPay directly into your existing refund experience and systems.
Deeply integrated enterprise deployments
E-commerce
POS
Contact centers
payments
LOYALTY
Finance
Accounts Payable
POST-PURCHASE
OPERATIONS
Customer Link
Send customers directly into a
secure TodayPay workflow.
Customer-initiated resolution
Customer service
Claims
APPEASEMENT
EXCEPTIONS
guest relations
POST-PURCHASE
OPERATIONS

Refund infrastructure
for complex enterprises.

Retail
Unify refunds across ecommerce, stores, customer service and Finance.
Luxury
Deliver a refund experience that matches the customer experience of the brand.
Restaurants, Grocery & Hospitality
Automate guest refund requests and reduce customer service administration.
Travel & Entertainment
Easily resolve the messy workflows around ticket cancellation.
Ecommerce
Resolve high-volume customer issues through configurable digital workflows.
Accounts Payable
Replace checks and fragmented customer payment processes with digital infrastructure.
Gift Card Cash Out
Comply with state laws regarding leftover gift card balances and instantly resolve the claims.
Customer Payouts
Fully flexible options for all customer payout needs.
Loyalty Programs
Reward your best customers with a menu of delivery method choices to enhance customer satisfaction.
Our mission
“The speed of a payment can change someone’s life.”
Meet the team
World class team of payment technology professionals with experience and pedigree.
WORLD CLASS EXPERIENCE
Enterprise refund
platform FAQ
What is an enterprise refund platform?

An enterprise refund platform gives businesses infrastructure for managing how customer refunds are initiated, approved, delivered and tracked across multiple systems, payment methods and customer touch-points. TodayPay adds a configurable refund layer between an enterprise's existing systems and its customers.

What is refund automation?

Refund automation uses software and business rules to automate steps that traditionally require employees, including refund intake, validation, approval, customer communication, payment delivery and reporting.

Can TodayPay replace paper refund checks?

Yes. TodayPay can be used to replace eligible paper refund and reimbursement processes with digital payment workflows, giving customers faster access to their money while reducing check administration for the business.

Does TodayPay replace our payment processor?

No. TodayPay is designed to work alongside existing payment processors, acquirers and enterprise systems rather than requiring businesses to replace their payments infrastructure.

How does TodayPay integrate?

TodayPay supports API integrations, batch/file workflows, no-code enterprise tools and customer-facing links. Businesses can begin with a lightweight deployment and integrate more deeply over time.

Can TodayPay support multiple business units or locations?

Yes. TodayPay can support enterprise hierarchies and configurable access, allowing businesses to organize users and refund activity across brands, regions, business units, locations or stores.

What types of refunds can TodayPay support?

TodayPay can support use cases including ecommerce refunds, store refunds, customer service refunds, cash refunds, paper check replacement, claims, appeasements, reimbursements and other merchant-to-consumer payments.

Is TodayPay secure?

TodayPay is designed for enterprise payment environments and maintains SOC 2 and PCI DSS compliance.

White Paper
“Where Is My Refund?”

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