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Refunds: how they work and how long they take

Refunds depend on the merchant, payment rail, and the original transaction status, so they are rarely instant.

A plain-language guide to refund timing, pending states, and why refunds can differ from the original payment.

Published Jul 13, 2026 - Updated Jul 13, 2026

What to do

Short fix path

  1. Ask the merchant for the refund reference or confirmation number.
  2. Check whether the refund is pending at the merchant side or card side.
  3. Allow time for the network to post the refund back.
  4. If the refund is overdue, contact support with the transaction ID.

Common questions

Is a refund the same as a chargeback?

No. A refund is merchant-initiated, while a chargeback is a dispute process.

Why does the amount look different?

Fees and FX can make the refund amount differ from the original charge.