How long does a Pay Later refund take to reach me?

The time depends on when the merchant processes your refund and how it is returned. If funds are being paid back to your card or bank account, your bank's processing time also affects when they appear.

Check the merchant's confirmation

Your merchant can confirm whether the refund has been processed, along with the date and amount. Keep this confirmation so we can help trace the refund if needed.

Check your plan and transactions

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

A refund may adjust payments already made, the remaining balance, or both. Your updated plan shows any payments still due.

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.

Need help tracking a refund?

Contact Stitch Support with the merchant name, order reference, refund amount and the merchant's confirmation.

See How to request a refund.