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 😂
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Card transactions aren’t instant in either direction. The recipient of a transaction isn’t granted funds until the transaction settles.
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