If the funds from a refunded purchase are not returned to the card despite the refund being processed, it is important to consider the standard processing times for refunds (usually from a few hours up to 24 hours, sometimes longer depending on the card-issuing bank).
Reasons for refund delays
Bank processing: even after the refund is confirmed, the funds may take 5–10 business days to appear on the card depending on the bank’s internal policies.
Incorrect details: the refund may be delayed due to incorrect or outdated card information.
Technical issues: sometimes internal payment system errors can cause delays.
Recommendations for action
Check the refund status in the Swoo app and with your bank.
Verify that the card details used for the refund are correct.
If more than 10 business days have passed, contact your bank’s support and Swoo support with payment details.
Keep all receipts and proof of the refund in case further investigation is needed.
When to contact support
If the refund status says "completed" but the funds have not appeared after 10 business days, be sure to contact Swoo support and provide the receipt, transaction screenshot, and card details for additional verification.