You canceled the payment.
You received confirmation.
But your card statement shows:
Completed.
Posted.
It looks like the payment went through.
Card records often reflect settlement status before refunds post.
Cancellation vs Settlement Timing
- Cancellation stops future processing
- Settlement records finalized charges
- Refunds reverse posted transactions
Cancellation doesn’t erase settled charges instantly.
Why Cards Show Completed Payments
- Billing cycle already closed
- Charge posted before cancellation
- Refund still processing
- Bank statement update delays
Statements display financial history — not live reversals.
How Refunds Appear After Settlement
- Separate credit transaction posted
- Offset against existing balance
- Listed as refund or adjustment
The original charge remains for record accuracy.
When to Contact Support
- If refund isn’t submitted
- If no credit appears after one cycle
- If amounts don’t reconcile
Request refund ARN or reversal confirmation.
Completed charges reflect settlement — refunds reflect reversals.