How Long Does It Take to Process a Credit Card Refund for your shoppers?
This article explains the credit card refund process and what your shoppers can expect
Processing Timeline
Once you submit a credit card refund, it generally appears on the customer’s credit card account within 5–10 business days.
Typical breakdown:
- 1–3 business days: Refund submission and initial processing by your payment processor.
- 3–7 business days: Processing by the card network and the customer’s issuing bank.
Note: Weekends and bank holidays do not count as business days.
Best Practices
-
Communicate clearly:
Let customers/ shopper know the date the refund was submitted and the expected 5–10 business day timeframe. -
Provide proof:
Share a confirmation email, receipt, or transaction/refund ID so the customer’s bank can trace the refund if needed. -
Avoid duplicate refunds:
If a chargeback or dispute is already in progress, wait for it to be resolved before issuing a separate manual refund.
Suggested Response to Customer/ Shopper Inquiries:
Once your refund is processed, it typically takes 5–10 business days for your bank to post it to your account. The exact timing depends on your card issuer’s policies.
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