You were given a refund date.
You waited.
The date passed.
But the status still hasn’t changed.
It still shows:
- Pending
- Processing
- Refund Initiated
It feels like the system froze.
In many systems, the “refund date” is an estimate — not a guarantee.
What “Refund Date” Usually Means
- The day the merchant submits the refund
- Not the day your bank posts the credit
- Not including weekends or bank holidays
A posted refund depends on bank and network processing.
Why the Status Can Stay the Same
- Refund is sent, but posting is delayed
- Payment processor queue backlog
- Risk checks or manual review
- Cross-border settlement delays
Status updates often lag behind real processing.
How Long You Should Wait
- Domestic refunds: up to 10 business days
- International refunds: up to 30 business days
If the timeline is still within the bank window, it may be normal.
What to Ask Support for
- Refund confirmation timestamp
- Transaction reference number
- ARN (Acquirer Reference Number) for card refunds
If they can’t provide trace details, the refund may not be fully submitted.
A passed date looks final — but refunds move on bank time.