Refund · decode any status
"Refund Pending"
The merchant has triggered the refund but the money has not yet appeared on the card. This is normal — refunds clear through the same authorisation / settlement cycle as charges, just in reverse.
Where you see this phrase
Merchant order pages within the first 1–10 business days of a refund.
What you can do
Wait. Refunds typically post within 3–10 business days; international transactions can take longer.
Other refund phrases
Money flowing back to the cardholder.
“Refund Issued”
The merchant initiated a refund. The funds will land back on the original card, but it can take 3–10 business days depending on the bank.
“Partial Refund”
The merchant refunded only part of the original charge. Common when shipping is non-refundable, restocking fees apply, or only some items were returned.
Other stages of the payment lifecycle
The same transaction passes through several stages — each with its own phrase library.