How long does it take for a merchant (like walmart) to take your money? Seconds.
How long does it take for a merchant to give your money back? Days, maybe even a week.
I kinda wanna know why ACH is a difference too, but really just want my refund back and where it is 😂
In: 0
Because they can.
And the longer they hold on to money for, the more interest they accrue on it so it’s in their interests to bring money in as fast as possible and release it as late as they possibly can.
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