> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://support.halocard.co/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# How do refunds work on Halocard?

When a merchant issues a refund, it will be **sent back to the same Halocard** that was used for the original purchase. If your Halocard has been cancelled, the refund will be applied directly to your account balance.

###### I was refunded but it shows as a charge/deduction on my dashboard?

Refunds may initially **appear as charges** that are equal or less than your original purchase amount with the status '*Authorized'*. This is normal behaviour and you will need to **wait 1 - 3 business days** for the merchant to finalize the refund and Visa to settle the funds back to your account balance.

###### What if I can’t see the refund?

If you don’t see a refund, first confirm that the merchant has processed it. Refunds can take time to settle, so allow a few business days for it to appear and check your transaction history. If the refund still hasn’t appeared after a reasonable period, contact the merchant to get confirmation on when the refund was processed and when it should arrive. There is no action required on you or Halocard to receive a refund.

###### Refunds vs disputes

Refunds are different from disputes or chargebacks. If a merchant does not issue a refund, or you believe a charge is incorrect or fraudulent, you may be eligible to raise a dispute instead. Please see: [How can I dispute a transaction and request a chargeback?](https://support.halocard.co/en/article/how-can-i-dispute-a-transaction-and-request-a-chargeback-dqmc7m/)