Stop losing margin on refunds.

margin/back identifies when you're getting hit with non-recoverable fees on refunds—and actively adjusts timing and behavior to minimize losses.

0.3–0.6%Of Refunded GMV Lost
AutonomousPolicy-Aware Logic
Calculate Your Savings

See your potential recovery from refund optimization

Calculate Your Potential Savings

Estimated Annual Savings
€22,500
Basis Points Recovered
2.3 bps
* Estimates shown reflect optimistic scenarios based on best-performing merchant profiles. Typical savings range from 60-80% of shown values. Actual results depend on merchant profile, processor setup, and market conditions. Contact us for a personalized assessment.

How margin/back Works

01

Refund Loss Map

Analyze refunds by issuer, processor, and timing to surface non-returned fees. Spot patterns invisible in PSP dashboards.

02

Timing Optimization

Adjust refund windows or batch strategies to fall within full-fee-recovery periods. Prevent margin decay at the source.

03

RefundGate Logic

Embed refund guidance into agent tools or APIs. Flag loss-prone transactions in-flight and apply smart delay or reroute logic.

Impact Analysis

Before vs. After margin/back

Refund Fee Recovery Comparison

Refund Loss Rate
+68.9%
Without margin/
0.45%
With margin/
0.14%
Annual Loss on €50M Refunds
+68.9%
Without margin/
€225,000
With margin/
€70,000
Recoverable Fees Identified
Without margin/
0%
With margin/
70%
Refund Processing Time
Without margin/
3-5 days
With margin/
2-4 days
Integration

One webhook. Automatic recovery.

Integration Preview

Connect margin/back via webhook or API. We analyze refund timing and provide optimization recommendations automatically.

// Webhook integration
POST https://api.margin.io/webhooks/refund
{
  "refund_id": "ref_123",
  "original_transaction_id": "txn_456",
  "amount": 10000,
  "currency": "EUR",
  "processor": "stripe",
  "initiated_at": "2024-01-15T10:30:00Z"
}

// margin/back responds with timing recommendation
{
  "optimal_timing": "2024-01-16T14:00:00Z",
  "recovery_window_open": true,
  "estimated_savings": 4.50
}
One snippet. Fail-safe by design. Integration takes hours, not sprints.

Refunds shouldn't cost extra.
Now they don't have to.

Policy-Aware Engine

Built with processor-specific refund timelines and fee logic baked in. You never fly blind.

One Line of Defense

margin/back runs alongside your existing ops stack to quietly recover lost basis points—no training, no dashboards, no latency.

Autonomous Operation

Once configured, margin/back operates autonomously. Flag loss-prone transactions, optimize timing, and recover fees without manual intervention.

Common Questions About margin/back

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