# 拒付

拒付是发卡行将一笔交易的金融责任通过收单行退回到商户，具体流程为：

1. 发卡行从持卡人银行卡账户里撤销交易金额。持卡人收到一笔退款，且不再对交易金额负责。
2. 发卡行通过卡组织向收单行提交交易金额的拒付。
3. 收单行通常会从商户账户中扣除交易金额。商户损失了交易金额。

### 接口说明

在交易成功后，持卡人可能会因为某种原因联系发卡行，拒付该笔交易；商户可以通过该接口查询拒付相关交易，以便于做相应处理

具体接口请参阅[拒付查询接口](https://asiabill.gitbook.io/api-explorer/)

{% content-ref url="/spaces/Mb9UzyxGUyxHylm4UJSJ" %}
[API Explorer](https://asiabill.gitbook.io/api-explorer/)
{% endcontent-ref %}


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