How do refunds from shops work?
A refund is the shop sending money back to your card. We receive it in the shop’s currency and credit it to your account as soon as it arrives.
How long
Most refunds arrive 3 to 10 business days after the shop processes them. The timing is set by the shop and its bank, not by us. A pending refund appears in the app as soon as the card network tells us it is on its way.
What you get back
Refunds are credited in a stablecoin, not in the asset you originally spent. If your billing currency is euro, the refund arrives as EURC. For every other billing currency, it arrives as USDC. The amount is converted at the rate on the day the refund arrives, with no spread.
This means a refund for something you bought with Bitcoin comes back as stablecoin. If the price of Bitcoin moved in between, you will not get the same amount of Bitcoin back. You can convert the stablecoin to Bitcoin in the app at the usual spread.
If you would rather receive refunds in local currency, change Settings, Refunds, to “Local currency”. This applies to refunds that arrive after you change it.
Partial refunds and cancellations
Partial refunds are handled the same way, for the refunded amount. If a payment was only reserved and never finalised, there is no refund to wait for: the reservation simply disappears, usually within 7 days.
When the shop doesn’t refund
If a shop agreed to a refund and hasn’t sent it after 15 business days, open the payment in the app and choose Dispute. You can dispute a payment up to 120 days after it was made. Disputes are free and usually resolved within 45 days.
Was this not what you needed? Contact support or go back to the help centre.