# Refunds

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The **cancel or refund a card transfer** endpoint offers a robust solution for returning funds to a cardholder, regardless of the current state of the transfer. When possible, the reversals endpoint cancels the transfer, reversing the authorization and swiftly returning funds. If settlement is in progress or completed, a refund is issued instead.

Moov strongly suggests using the **cancel or refund a card transfer** endpoint over the **create a refund** endpoint.

Read our [reversals](/guides/accept-payments/cards/reversals/index.md) documentation.