# Refunds processing time frames

## Overview

Refunds' processing time frames depend on the payment method used by the shopper.

If the refund request is granted by 2Checkout/Merchant, payments are refunded to shoppers as follows:

1. Credit/Debit Cards payments will be refunded within one (1) business day;
2. Wire Transfer and check payments will be refunded within seven (7) business days and the cost of the transfer will be borne by the end user;
3. PayPal payments will be refunded within one (1) business day;
4. Other payment methods will be refunded between five (5) to seven (7) days.
5. In cases of Direct Debit, the refund request can be processed only after 6 weeks from the payment date, the period needed for your bank to process the settlement. 2Checkout will only review and respond to your refund request after the 6-week period ends.

{% hint style="info" %}
Once a refund is processed, the funds will be visible in the shopper’s account within 3-5 business days, depending on their bank processing time. PayPal refunds will be visible in the shopper’s account on the same day.
{% endhint %}

## Refunds' processing time frames for online payment methods

<table data-header-hidden="false" data-header-sticky><thead><tr><th width="226">Payment method</th><th width="240.0001220703125">Type</th><th>Refund processing time</th></tr></thead><tbody><tr><td>Visa</td><td>credit/debit card</td><td>within one (1) business days</td></tr><tr><td>Visa Electron</td><td>debit card</td><td>within one (1) business days</td></tr><tr><td>MasterCard</td><td>credit/debit card</td><td>within one (1) business days</td></tr><tr><td>Maestro</td><td>credit/debit card</td><td>within one (1) business days</td></tr><tr><td>Eurocard (Mastercard)</td><td>credit/debit card</td><td>within one (1) business days</td></tr><tr><td>American Express</td><td>credit card</td><td>within one (1) business days</td></tr><tr><td>Discover/Novus</td><td>credit card</td><td>within one (1) business days</td></tr><tr><td>Dankort /VISA</td><td>debit card</td><td>within one (1) business days</td></tr><tr><td>Bancontact</td><td>credit/debit card</td><td>within one (1) business days</td></tr><tr><td>Postepay (Visa)</td><td>credit/debit card</td><td>within one (1) business days</td></tr><tr><td>JCB (Japan Credit Bureau)</td><td>credit card</td><td>within one (1) business days</td></tr><tr><td>Carte Bancaire</td><td>local debit card</td><td>within one (1) business days</td></tr><tr><td>PayPal</td><td>digital wallet</td><td>within one (1) business days</td></tr><tr><td>PayPal Express</td><td>digital wallet</td><td>within one (1) business days</td></tr><tr><td>Direct Debit SEPA <strong>*</strong></td><td>direct debit</td><td>within six (6) weeks from the payment date</td></tr><tr><td>Direct Debit UK <strong>*</strong></td><td>direct debit</td><td>within six (6) weeks from the payment date</td></tr><tr><td>Alipay</td><td>digital wallet</td><td>within one (1) business days</td></tr><tr><td>Apple Pay</td><td>digital wallet</td><td>within one (1) business days</td></tr><tr><td>iDEAL</td><td>online banking</td><td>within seven (7) business days after receiving the banking details from the end-user (the cost of transfer will be borne by the end-user)</td></tr><tr><td>eCheck/ACH <strong>*</strong></td><td>direct debit</td><td>within six (6) weeks from the payment date</td></tr><tr><td>UnionPay</td><td>credit/debit card</td><td>within one (1) business days</td></tr><tr><td>Elo Card</td><td>credit card with installments</td><td>within one (1) business days</td></tr><tr><td>Hipercard</td><td>credit card with installments</td><td>within one (1) business days</td></tr><tr><td>Local Cards Turkey with installments (Bonus, World, CardFinans, BankAsya, Paraf, Maximum, Axess)</td><td>credit card with installments</td><td>within one (1) business days</td></tr><tr><td>Nordea</td><td>online banking</td><td>within three (3) to five (5) days</td></tr><tr><td>Danske</td><td>online banking</td><td>within three (3) to five (5) days</td></tr><tr><td>Trustly</td><td>online banking</td><td>within three (3) to five (5) days</td></tr><tr><td>WeChat Pay</td><td>digital wallet</td><td>within three (3) to five (5) days</td></tr><tr><td>Skrill Wallet</td><td>digital wallet</td><td>within three (3) to five (5) days</td></tr><tr><td>Neteller</td><td>digital wallet</td><td>within three (3) to five (5) days</td></tr><tr><td>Qiwi wallet</td><td>digital wallet</td><td>within one (1) business days</td></tr></tbody></table>

{% hint style="info" %}
In cases of Direct Debit, the refund request can be processed only after a 6 weeks period from the payment date, the period needed for your bank to process the settlement. 2Checkout will only review and respond to your refund request after the 6-week period ends.
{% endhint %}

## Refunds' processing time frames for offline payment methods

<table><thead><tr><th width="223">Payment method</th><th width="156">Type</th><th>Refund processing time</th></tr></thead><tbody><tr><td>PayNearMe</td><td>cash/online</td><td>within seven (7) business days after receiving the banking details from the end-user (the cost of transfer will be borne by the end-user)</td></tr><tr><td>Wire/Bank transfer - SEPA countries**</td><td>bank transfer</td><td></td></tr><tr><td>Wire/Bank Transfer - non-SEPA countries**</td><td>bank transfer</td><td></td></tr><tr><td>Purchase Order</td><td>purchase order</td><td></td></tr><tr><td>Boleto/Pix**</td><td>Cash/online</td><td></td></tr><tr><td>Cash at 7-Eleven, Family Dollar &#x26; ACE</td><td>Cash/online</td><td></td></tr></tbody></table>


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.2checkout.com/payments/payments/refunds-and-chargebacks/refunds-processing-time-frames.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.