When there are sufficient funds in your Stripe account, refunds are submitted to the customer's bank immediately and can take 5-10 business days to appear in their account. If there are insufficient funds, the refund will be pending until the balance is positive. In some cases, refunds may be processed as reversals, where the original payment disappears from the account statement and the balance reflects as if the charge never occurred.

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When there is sufficient funds in your Stripe account balance, Stripe submits refunds to your customer’s bank immediately. Depending on the bank's processing time, it can take anywhere from 5-10 business days to show up on your customer’s bank account.

When there isn’t sufficient funds, the refunds will be pending and you will need to ensure that the balance is brought back to the positive before the refunds will be sent out.

Additional Information

• In some cases, the refund might be processed as a reversal, meaning the original payment will disappear from the account statement entirely and the balance will reflect as though the charge never occurred. If your customer does not see the refund after ten business days and they are still seeing the original charge on their bank statement, they should reach out to their bank for more information.
  
• For refunds where we reach out to the customer for their bank account details through email, refunds will only be issued once the customer has confirmed their bank account information, and this depends on the time for Stripe has to send the refund instructions to the bank + time for the bank has to process the refund (typically 3-10 business days)
  
• With refund authorizations, customers may see a pending refund immediately on their bank statement, as opposed to the 5-10 business days.