You requested a refund.
The status shows “Pending.”
You try to cancel it.
You try to request it again.
But the system blocks both actions.
This happens because the refund has already entered locked processing.
What “Pending Refund” Actually Means
- The merchant approved the refund internally
- The payment processor started reversal
- The bank/card network is verifying funds
- The transaction is queued for settlement
At this stage, the refund cannot be modified.
Why Cancellation or Re-Request Is Blocked
- The refund passed the editable stage
- Payment gateway locked the transaction
- Fraud or compliance checks may run
- Bank settlement is already scheduled
Systems block changes to prevent duplicate refunds.
How Long Pending Refunds Take
- Credit card: 3–10 business days
- Debit card: 5–14 business days
- International payments: up to 30 days
- Digital wallets: 2–7 business days
Processing time depends on the payment network.
What You Should Do
- Do not submit another refund request
- Avoid chargebacks too early
- Monitor your bank statement
- Contact support after the max timeframe
Most pending refunds clear automatically once settlement completes.