# How purchases and refunds affect cashback.

Canonical page: https://finanzer.ai/learn/cashback-and-refunds

> A reward depends on the programme’s funding and conditions. An eligible purchase may create a pending reward that is only confirmed after settlement or other checks.

A reward depends on the programme’s funding and conditions. An eligible purchase may create a pending reward that is only confirmed after settlement or other checks.

## Follow the reward alongside the purchase.

The programme should show why a reward is pending, confirmed or reversed.

### Programme funding

Merchant contributions support the agreed reward economics.

### Qualification

The purchase and customer must meet the programme conditions.

### Confirmation

Settlement and any remaining conditions determine availability.

### Reversal

A refund or dispute may change the reward under the programme terms.

## A refund can change a previously confirmed reward.

The programme terms determine how a refund or dispute affects cashback. The reward record should link the change to the original purchase so the customer can understand it.

[Explore the rewards model](https://finanzer.ai/personal/rewards)

## Common questions

### Is pending cashback available to spend?

Not necessarily. The programme terms determine when a reward is confirmed and available. A pending entry should not be presented as spendable money.

## Continue with the rewards model.

See how this process fits into the product Finanzer is developing.

[Explore the rewards model](https://finanzer.ai/personal/rewards)

[Browse all guides](https://finanzer.ai/learn)