How Long Does A Visa Debit Card Refund Take?

Whether you are trying to return a gift you received or something you bought yourself, the process never gets easier – or shorter. If you’ve ever had to make a refund then you would know how long it takes – but you probably haven’t, which is why you’re here wondering how long a visa debit card refund takes.

For those wondering, we will be discussing the process that ensues after you request a refund and just how long it takes.

It is important to note that the type of dispute and the bank/merchant involved directly influence how long a visa debit card refund takes, which might make it vary. Keep reading for more needed information.

How Long Does A Visa Debit Card Refund Take?

A visa debit card refund typically takes 7-10 business days. As earlier mentioned, the timeframe varies depending on the bank/merchant and type of dispute.

In the best cases, the refund will be processed within 3-5 business days, but the worse cases have it going on for over 10 business days. This is because the request has to go through several channels and a few confirmations/authorizations have to be made before the refund can be processed.

If it’s a simple case and you have luck on your side, then the refund should be done within 3 days at most. However, for cases related to fraud, the process is typically longer. The receipt of the payment made and your reason for requesting the refund has to be confirmed by the merchant/banks involved before processing the refund.

In a case of fraud i.e. a case where your card should not have been charged or you did not make a purchase, then confirming that your card was charged without your consent will take a while – plus confirming receipt and then reversing funds.

Sometimes, cases like this will also require investigation which – if you didn’t know already – would take even more business days.

How Long Does It Take for A Refund to Appear on Credit Card?

A credit card refund typically takes about 3-7 business days. In the worst cases, it can take up to 6 months. Similar to debit card refunds discussed above, the timeframe and process depend on the merchant/ bank involved. Some banks take longer than others.

It also depends on the method you used to request the refund. If it was done in person, you just might be lucky enough to get your refund that same day. However, if it was done online, it might take significantly longer.

In more complicated cases, like unauthorized charges or accidental charges, the process will take longer because the issue has to first be confirmed and then treated.

Here are some useful tips to speed up the refund process:

  • Reach out to the merchant or retailer first and as soon as possible
  • Return in person if you can
  • Submit the refund request in writing
  • Keep your receipts
  • Know your rights and the rules
  • Be persistent

How Long Do Online Refunds Take?

Online refunds can take anywhere from a few hours to 10 days or more. This depends on the payment method, merchant, bank, and type of dispute.

As earlier mentioned, an in-person refund is done instantly, while online refunds take longer, some banks are faster in processing refunds than others and merchant refund policies differ. If you paid via a bank transfer, then the refund could take only a few hours or 3 days at most.

If you paid with a credit or debit card, the refund could take about 3-10 days or more. Simple cases where the customer and merchant agree on the refund take shorter periods, about 3 -7 days. But, in a case where there is no agreement, a more complicated dispute, or fraud, the refund will take about 10 days or more. It could even take months.

Read also: How Often Do Credit Card Frauds Get Caught?

Why Does It Take So Long to Get A Refund on A Debit Card?

Anyone can understand that receiving money is miles better than having to give it back. So naturally, merchants are not as eager to process refunds as they are to make a sale. This is one of the few things that cause a delay when requesting a refund.

Another thing that causes delays when trying to get a refund on a debit card is the channels the request goes through before it is finally processed.

When a transaction is made with your debit card, it becomes a pending transaction and your bank receives a temporary authorization. Most people think the merchants receive the payment immediately, but that is not the case. The transaction remains pending for about a day or three before it is settled with the merchant.

After which the merchant will then confirm your refund request before initiating it with the bank. The bank will then begin processing it before it settles back into your account. Not only is the process already long, but it can also have several glitches that will cause delays – especially if fraud is detected.

Read also: What Is Visa Provisioning Service?

How Long Does It Take for A Refund to Process on PayPal?

It typically takes 3-5 days for a refund to process on PayPal. However, the timeframe varies depending on the method of payment.

With credit card payments, PayPal will make the refund to the customer’s credit card account immediately after it is initiated by the seller, though it might take up to 30 days for the credit card company to process the refund.

With payments made from a bank account, refunds will be made to the customer’s PayPal balance first and then reversed into the bank account within 3-5 days but it might be displayed immediately in the PayPal account with a ‘pending’ tag attached to it. With payments made from your PayPal balance, the refund will be made on the same day it is initiated.


It’s a bitter-sweet moment when you realize that you might not be getting your refund processed anytime soon, but at least you’re not stuck wondering.