Greetings, Magento Owners!!
Most e-commerce owners are perplexed when it comes to repayments for consumer dissatisfaction. However, depending on the payment method, you can issue a credit memo for a refund using API. Have a look at How to Issue Refund (Credit Memo) using API in Magento 2
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Complete Tutorial at https://magecomp.com/blog/issue-refund-credit-memo-using-api-magento-2/