I want a refund on my Stitch Pay Later purchase

To request a refund for a Pay Later purchase, contact the merchant you bought from and follow their returns process. Once Stitch receives and processes the refund, we update your plan.

How to request a refund

1. Contact the merchant with your order reference and request a refund.
2. Keep the merchant's confirmation, including the date and amount of the refund.
3. Sign in at app.stitch.money, open Borrow, then select your plan under Orders to check for the adjustment. On mobile, open the menu to find Borrow.

The refund can affect payments already made and the remaining plan balance. Your updated plan shows any payments still due. Follow that schedule while the refund is being processed.

If you have extended the purchase

Start your refund request with the merchant as usual. Once Stitch receives and processes the refund, it may affect payments already made and the remaining balance of your Extend plan.

Sign in at app.stitch.money, open Borrow, then select the plan under Orders to check the updated balance and repayment schedule. On mobile, find Borrow in the menu. Open Transactions to check any refund transactions.

A partial refund may leave payments remaining. Follow the schedule shown under Borrow. If you need help understanding the adjustment, contact Stitch Support with the merchant name and order reference.

How long does it take?

The time depends on when the merchant processes the refund and, if money is being returned to you, your bank's processing time. See How long does a Pay Later refund take?.

Need help after the merchant confirms a refund?

Contact Stitch Support with the merchant name, order reference and refund confirmation so we can check its progress.