As a card owner, you are most likely familiar with the concept of a refund. Hence, our goal is to ensure that you have all the essential details, so we have compiled important information about refunds in this article.
Mandatory Requirements for Requesting a Refund
To request a refund for an unsuccessful transaction, it is important to provide the following:
A screenshot of the refund receipt from the merchant that captures the following:
The amount that was refunded.
The date the merchant processed the refund.
ARN (Acquire Reference Number -- a unique 23-digit number) or RRN (Retrieval Reference Number).
The Chipper transaction receipt or transaction ID that confirms the card was charged for the refund you are expecting.
About Refunds and Refund Timeline
About Refunds
A Chipper virtual card refund refers to the process where funds are returned to a Chipper virtual card (USD/NGN/UGX) after a merchant reverses a charge or cancels a transaction. This typically happens when:
A transaction is canceled: For example, if a payment to a merchant didn’t go through successfully or was canceled by the merchant.
A refund is issued by the merchant: This could occur if the customer returns an item or if there’s a billing error.
A chargeback is successful: If a dispute was raised against an unauthorised or incorrect charge, and the merchant or payment processor resolves it in favor of the customer.
Refund Timeline and Key Points to Understand
Where the Refund Goes: Refunds are usually credited back to the Chipper virtual card that was used for the transaction.
Processing Time: Refunds may take 14-30 business days to reflect on the card, depending on the merchant and payment processor.
Refunds to Deleted Cards: If your virtual card has been deleted, the refund will typically be credited to the Chipper wallet OR if you have a new card, the refund will be credited to your new card.
Sources of Refunds
Refunds to Chipper virtual cards can come from various merchants or platforms where the card was used for transactions. Examples of merchants include:
Shein: For canceled orders or returned items.
AliExpress: If a purchase is canceled or a dispute is resolved in the customer's favor.
Temu: For returned goods or order cancellations.
Amazon: If an order is refunded due to returns, incorrect charges, or disputes.
Chipper Virtual Card Refund FAQs
What is a Chipper virtual card refund?
What is a Chipper virtual card refund?
A refund occurs when a merchant (such as Shein, AliExpress, Temu, Amazon, etc.) reverses a payment to your Chipper virtual card. This may happen due to canceled orders, returned items, or billing errors. Refunds are credited to your Chipper USD wallet once processed.
How long does it take for a refund to reflect on my card?
How long does it take for a refund to reflect on my card?
Refunds typically take 14–30 business days to reflect on your Chipper card after the merchant processes the refund. Please contact our support team if you do not see the refund after this period.
Why is my refund credited to my Chipper wallet instead of my virtual card?
Why is my refund credited to my Chipper wallet instead of my virtual card?
Refunds for deleted cards are automatically credited to your USD/NGN/UGX Chipper wallet (if you do not have a new card). This ensures you have access to your funds without the need for the original card.
What should I do if I haven’t received my refund after 30 business days?
What should I do if I haven’t received my refund after 30 business days?
If the refund has not been credited to your wallet after 30 business days, please:
Contact the merchant for confirmation that the refund has been processed.
Provide our support team with the refund receipt and Chipper transaction receipt to help us investigate further.
Can I still receive refunds if my Chipper virtual card has been deleted?
Can I still receive refunds if my Chipper virtual card has been deleted?
Yes. If your card has been deleted, you can always create a new card where the refund can be posted. If you do not have a new card, refunds will be credited directly to your USD/NGN/UGX Chipper wallet. However, you may need to create a new card to continue using Chipper virtual card services.
Why was my refund debited again after it was credited?
Why was my refund debited again after it was credited?
In rare cases, a refund may be debited again if the merchant disputes the reversal or if it was credited in error. Please contact our support team to understand the reason for the reversal.
What does the error “The billing information you entered was declined” mean?
What does the error “The billing information you entered was declined” mean?
This error occurs when the billing information entered does not match the details linked to your Chipper virtual card. Please ensure the name, address, and ZIP code entered match your card profile.
What are the steps to resolve a refund dispute?
What are the steps to resolve a refund dispute?
If you believe a refund is missing or incorrect:
Obtain the refund receipt or proof of processing from the merchant.
Share the refund receipt with our support team via in-app chat or email ([email protected]).
Also, share the Chipper transaction ID or transaction receipt that confirms your card was charged for the refund you are expecting.
We will review the receipt and transaction details to confirm the refund status.
What happens if I’m charged twice for the same transaction?
What happens if I’m charged twice for the same transaction?
If you notice duplicate charges, please:
Share the transaction details and proof of the duplicate charge with our support team.
We may raise a chargeback request with the merchant on your behalf to recover the funds.
Can I contact support if I encounter issues with refunds?
Can I contact support if I encounter issues with refunds?
Absolutely! Our support team is available to assist you with any refund-related concerns. Reach out to us via in-app chat or email ([email protected]).
How do I avoid declined transactions or card deactivation?
How do I avoid declined transactions or card deactivation?
Ensure your card has sufficient funds before initiating a transaction.
Monitor declines and follow tips provided on the card “Update” page within the app.
Keep your card sufficiently funded to prevent deactivation due to a low balance.
Do you need further assistance?