Banky team Reviewed editorial answerIf the merchant cancels the transaction or confirms a refund but the funds haven't been credited, ask them for proof of the cancellation or refund and its date, and preferably a reference number like an ARN if available.
Steps
Monitor your card during the processing time specified by your bank or network.
If the processing time expires without the funds being credited, contact your bank and file a dispute.
An important distinction: A Void usually cancels the transaction before settlement, while a Refund is a refund after a transaction has already been completed and may take longer to appear.