Refund Process Timeline:

1. Return Initiation: You ship the item back or return it in-store.

2. Merchant Processing: The merchant receives and processes your return (3–10 business days depending on their policies).

3. Merchant Notification to Afterpay: Once processed, the merchant notifies Afterpay (usually 1–2 business days).

4. Afterpay Adjustment: Afterpay updates your payment schedule within 24 hours of receiving the merchant's notification.

5. Refund to Bank Account: If applicable, the refunded amount appears in your bank account within 3–5 business days after Afterpay processes it.

Total expected time: approximately 7–17 business days from the date you ship the return.

Payment Adjustments:

Future Payments: Any upcoming payments are reduced or canceled first.

Completed Payments: If you've already made payments, those amounts are refunded to your original payment method.

Partial Returns: If you return only part of your order, Afterpay adjusts your remaining payments based on the new order total. You can view the updated payment schedule in the Afterpay app.

Refund Status:

Refund Processed: Afterpay has adjusted your account.

Refund Received: The money has been deposited into your bank account (may take an additional 3–5 business days).

If you haven't received the refund within this timeframe, contact your bank.

Delays in Refunds: Refunds may take longer than the original payment due to the time required for the merchant to confirm the return and the involvement of multiple parties (merchant, Afterpay, and your bank).

Contacting Support:

Merchant: If more than 10 business days have passed since they received your return and Afterpay hasn't been notified.

Afterpay: If the merchant confirms they've processed the refund, but your Afterpay account doesn't reflect it after 3 business days.

Your Bank: If Afterpay shows the refund as processed, but it hasn't appeared in your bank account after 5 business days.