# Credits and refunds using PSP Adapters

Crediting and refunding will frequently happen to all merchants. In Norce Commerce we support two types:

- **Credit** allows you to refund, fully or partially, with a reference to one or more order rows.
- **A refund** is a general refund or compensation that references the order as a whole and not a particular row.


Limitations
- Credits and refunds can not be done for orders with more than one payment type. If an order is partially paid with a gift card or other type the process has to be completed manually through each payment provider.
- Gift card payments can not be credited or refunded through Norce.
- All payment providers support and handle credit and refunds in different ways. Please see the documentation for the specific payment service adapter.


## Implement Credits and Refunds

### Credits

Credits are handled by sending in an Invoice object through the `CreditPayment` endpoint, where each order row and the corresponding amount that is affected should be represented. This is then passed on to each payment service provider to be processed.

### Refunds

Refunds are handled the same way as Credits using the `CreditPayment` endpoint. But rather than referencing an individual order row, the Invoice object should contain an order row with a product that has the type “Compensation”.

1. Go to *Product → Settings → Product Types* and add the type Compensation
![Configuration](/assets/psp-adapter-credit-1.cc1b0dd2b5c621b421cdf20788891f658b1057e489e4449e66f79cee25d7623f.03197a83.png)
2. Create a new product that has the type of Compensation
3. Use this product for any refunds