A computer-implemented method includes receiving, by a recipient bank computer system, a previously used token from a point of sale (POS) device, the previously used token identifying a previous transaction as transferring funds to a merchant from a payor associated with the recipient bank computer system. The method also includes transmitting, by the recipient bank computer system, the previously used token to a messaging hub computer system. The method also includes receiving, by the recipient bank computer system, at least one of a card number or a payment credential, from the messaging hub computer system, the at least one of the card number or the payment credential associated with the previous transaction. The method also includes processing, by the recipient bank computer system, a refund using the at least one of the card number or the payment credential.