When there are sufficient funds in your Stripe account, refunds are submitted to the customer's bank immediately and can take five to ten working 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 sufficient funds are available 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 five to ten working days to show up in your customer's bank account.

When sufficient funds aren't available, the refunds will be pending and you will need to ensure that the balance is brought back to the positive before the refunds are sent out.

Additional information

• In some cases, the refund might be processed as a reversal, meaning that the original payment will disappear from the account statement entirely and the balance will reflect as though the charge never occurred. If your customer cannot see the refund after ten working days but can still see the original charge on their bank statement, they should contact their bank for more information.
  
• For refunds where we contact the customer via email for their bank account details, refunds will only be issued once the customer has confirmed their bank account information. This depends on the time that Stripe has to send the refund instructions to the bank, plus the time for the bank to process the refund (typically three to ten working days).
  
• With refund authorisations, customers may see a pending refund immediately on their bank statement, as opposed to waiting five to ten working days.