curl --request POST \
  --url http://api-sandbox.fexpayments.com/merchant/api/v1/payment-intents/{intentID}/refund \
  --header 'Authorization: Bearer <token>'

{
  "success": true,
  "refund_initiated": true,
  "message": "Refund initiated successfully. Funds will be returned to the customer's wallet.",
  "payment_intent": {
    "id": "a0eebc99-9c0b-4ef8-bb6d-6bb9bd380a11",
    "merchant_id": "74815c83-e47b-4dc5-aefe-abe4484dd280",
    "amount": 99.99,
    "currency": "USD",
    "status": "pending",
    "expires_at": "2026-02-24T14:30:00Z",
    "merchant_name": "Whole Foods Market",
    "description": "Coffee and pastry",
    "qr_code_url": "data:image/png;base64,iVBORw0KGgo...",
    "qr_data": "{\"payment_intent_id\":\"abc123\",\"amount\":99.99,\"currency\":\"USD\",\"merchant_id\":\"...\",\"merchant_name\":\"Whole Foods Market\"}",
    "target_wallet_id": "8566959d-f366-45d9-9e6e-241ba189988f",
    "completed_by": "d9f3a2b1-c4e5-6789-abcd-ef0123456789",
    "refund_status": "pending",
    "refund_ledger_tx_id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "counter_id": "c1d2e3f4-a5b6-7890-abcd-ef1234567890",
    "reference": "ORD-12345",
    "callback_url": "https://shop.example.com/orders/ORD-12345/payment-callback",
    "metadata": {
      "customer_email": "alice@example.com",
      "cart_id": "cart-abc123"
    },
    "created_at": "2026-02-24T14:00:00Z",
    "updated_at": "2026-02-24T14:00:00Z"
  }
}