Your refund is safe. Refunds are returned to the bank account behind the card you paid with — not to the physical card itself. Stopping, replacing, losing or renewing a card does not block the refund. Your bank routes it to the same account.

Refunds can only be returned to the payment method used for the original purchase. This is a rule set by the card networks and our payment processor, not by Tick'it, so we are unable to redirect a refund to a new card or a different account — even if you ask us to.

There is nothing you need to do. The refund lands in the account linked to that card. If you are not sure which account that was, your bank can tell you.

Contact the bank you closed the account with and tell them a refund was issued to a card on that account. Banks normally hold incoming refunds on a closed account in a suspense account so you can claim them.

Ask us for your retrieval/acquirer reference (RRN or ARN) and give it to your bank — it allows them to locate the exact transaction. We can provide it once the refund has finished processing.

Card refunds take 5–10 business days to appear once processed. If your card was replaced or your account was closed, allow the full window — the bank's internal routing can add time.

Reply to this conversation with your refund reference and we will check it from our side.