public function getRefunds(CardPayments\Refund $refund = null, CardPayments\Filter $filter = null)
    {
        $queryStr = array();
        if($refund && $refund->merchantRefNum) {
            $queryStr['merchantRefNum'] = $refund->merchantRefNum;
        }
        if($filter) {
            if(isset($filter->limit)) {
                $queryStr['limit'] = $filter->limit;
            }
            if(isset($filter->offset)) {
                $queryStr['offset'] = $filter->offset;
            }
            if(isset($filter->startDate)) {
                $queryStr['startDate'] = $filter->startDate;
            }
            if(isset($filter->endDate)) {
                $queryStr['endDate'] = $filter->endDate;
            }
        }
        $request = new Request(array(
             'method' => Request::GET,
             'uri' => $this->prepareURI("/refunds"),
             'queryStr' => $queryStr
        ));

        $response = $this->client->processRequest($request);

        return new CardPayments\Pagerator($this->client, $response, '\Paysafe\CardPayments\Refund');
    }