[FEAT] Prevent Dual Refunds From Happening in cases of Chargeback + Refund or vice versa #4109
Description
In Novalnet, in particularly SEPA Direct Debit Payment Method Type, a chargeback occurs when :
A customer goes to the bank =>
Reports that the transaction is disputed =>
Bank refunds the amount no questions asked ->
Novalnet sends a webhook RETURN_DEBIT_SEPA to Hyperswitch ->
Hyperswitch marks this as DisputeLost
[ Note: Novalnet doesn’t have any validation at their API layer to stop this. They have a validation for case 2 where if a merchant tries to go to their Dashboard and issue a refund to the customer, they (Novalnet) shows a warning message ]
Now there could occur two cases where dual refunds might occur :
Case 1: Hyperswitch issues Customer a Refund + Customer raises a dispute (chargeback)
Now, if we see case 1 is beyond our control we can’t stop it from happening. However, we can explicitly flag this sort of a scenario to the merchant.
Case 2: Customer raises a dispute (chargeback) + Hyperswitch issues Customer a Refund
We can add validations and prevent this from happening