How to trace a refund using ARNs and STANs

There are times when a customer might write in asking for the status of their refund. To do this, you can provide them with the Acquirer Reference Number (ARN), which allows them to work with their bank to trace the refund for all Visa and Mastercard charges. System Trace Audit Numbers (STANs) are sometimes required to track the status of a refund, though we recommend using ARNs whenever possible. You will never need to have both numbers in order to track your refund.

What is an Acquirer Reference Number (ARN)?

An Acquirer Reference Number (ARN) is a unique number assigned to a credit card transaction as it moves through the payment flow. It can be used by banks to help trace your refund if it appears to be missing. An ARN will be available for Visa and Mastercard charges.

Where to find ARNs in the Dashboard

The ARN can be found in your Stripe Dashboard within the refund under the Timeline section:

image.png

What the different ARN statuses mean

What is a System Trace Audit Number (STAN)?

A System Trace Audit Number (STAN) is a number generated by the cardholder bank that can be used to identify a transaction. STAN is a trace ID number most commonly used internally at the cardholders bank. It’s always a six-digit code, and therefore is not truly unique as the code resets after 999,999.

When customers should use ARNs vs. STANs

In most cases, we recommend customers use an Acquirer Reference Number (ARN) instead of a STAN for several reasons:

What if an ARN is not available?

For non-Visa or Mastercard charges, you will need to provide the customer with a STAN. We also recommend providing the date and time of the transaction along with the STAN, as STANs are not unique. In order to get a STAN, contact Stripe Support.