The deadline for processing a credit card refund depends on your payment processor's policies, card network rules (Visa, Mastercard, etc.), and local regulations. Here is a general overview:
Typical refund timeframes by card network
Card network | Recommended refund window | Absolute maximum |
Visa | Within 30 days | Up to 180 days in most cases |
Mastercard | Within 30 days | Generally up to 180 days |
American Express | Within 30 days | May allow a longer window, subject to review |
Best practice: Process refunds within 30 days to avoid disputes, ensure smooth processing, and meet customer service expectations.
Policy
Adyen: Refunds can generally be processed as long as funds are available and the card is valid. However, older transactions (e.g., more than 6 months) may require manual review or be declined by the issuer.
Important points to consider
The card must still be valid. Expired or cancelled cards can cause the refund to fail or require manual processing by the issuer.
If too much time has passed, a manual refund (e.g., ACH transfer, cheque) may be required.
Refund delays or rejections can also occur if the original transaction has been archived or falls outside the acquirer system's retention period.
Advice for merchants
Even if technically possible, late refunds can:
Increase the risk of chargebacks
Reduce customer satisfaction
Trigger compliance questions during audits