> ## Documentation Index
> Fetch the complete documentation index at: https://developers.uqpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Can I Refund a Charge to Prevent Fraud?

> Banks are mandated to report fraud on all captured payments regardless of refunds, with rare exceptions for reversals within 2 hours.

No. Banks are mandated to report fraud on all captured payments, regardless of whether a refund has been processed. The sole exception occurs when the refund is processed as a reversal, which typically happens only if issued within 2 hours of the charge being captured.