Abstract: This paper studied various kinds of refund problems handled by railway electronic payment platform in railwaypassenger transport service, analyzed its causes, processing methods and real-time refund, studied the optimization measuresof refund processing in technical processing and management, proposed to introduce asynchronous notification monitoringand polling for transaction results to optimize transaction processing, and adopted soft point of sale (POS) mode for businessto customer (B2C) refund of bank card type to implemented real-time refund. Research shows that by optimizing transactionprocessing, shortening refund cycle, strengthening closed-loop management and strengthening institutional cooperation, it caneffectively improve the efficiency of refund processing, better serve railway passenger transport business, improve passengerrefund experience, and establish a good social image of railway.