How to cancel affirm virtual card - Affirm Virtual Card payments go through your credit card processor and not us directly. As such, refunding a VCN transaction must be done through the card processor used to register it as well. Refunds are issued back to the original method of payment as they would to any other credit card.

 
Affirm can help but will usually take up to 5 business days for that to clear out. As long as it still says merchant processing, you don't actually don't have to pay anything. If you actually need a phone, you can just go through the process again or get the affirm app and do the purchase again.. Amc theatres stony brook movie times

How To Use Affirm Virtual Card (Updated). In this video tutorial I will show how to use Affirm Virtual Card.If you found this tutorial helpful, kindly show y...Our Verdict. Affirm is one of the largest buy now, pay later (BNPL) lenders in the U.S., offering payment plans for online and in-person purchases. Loans from Affirm allow you to pay for purchases ...Affirm Virtual Card payments go through your credit card processor and not us directly. As such, refunding a VCN transaction must be done through the card processor used to register it as well. When Processing refunds on VCN loan, please note that: Refunds are issued back to the original method of payment as they would to any other credit card.Up to $50 off - $10 off per passenger, up to 5 passengers per booking. T&C's: AFFIRM50 is for flight purchases over $200 only. Non-refundable. Can only be applied to up to 5 passengers in one booking, with a maximum of $10 being discounted per person. Flight seats and prices are subject to availability. Non-refundable and for over 18s only.Affirm has created tools to hit the payment rails in order to trigger specific actions to be taken on those virtual cards to ease your processes. ... Here are some of the features available to trigger specific actions to be taken on the virtual card: Cancel a card: Cancels the Affirm loan and refunds the customer (if applicable). This can be ...Go to Affirm r/Affirm. r/Affirm. Affirm gives you a buy-now-pay-later option with no hidden, late fees, or surprises. ... Paid a down payment then I decided to cancel the virtual card - how long till I'm refunded the deposit 😬 I put down I did not use the card at all Locked post. New comments cannot be posted. Share Add a Comment. Be the ...Using your Affirm Card. My Affirm Card purchase was declined. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.You can find your Affirm savings account routing and account numbers by following the steps below. Sign in to your account in the Affirm app . Tap the gear icon in the top right corner of your screen. Tap Account details. View routing and account numbers. On affirm.com: In the left margin, click Account details. View routing and account numbers.Additional details. Your rate will be 10-36% APR based on credit. For example, a $400 purchase could be split into 12 monthly payments of $38.02 at 25% APR. Options depend on your purchase, and a down payment may be required. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by ...Using your Affirm Card. My Affirm Card purchase was declined. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.SXSW may be cancelled, but the commodification and commingling of multinational corporations and youth and street culture is alive and well in the COVID-19 era thanks to events lik...Steps to create a Virtual Card Visit the State Bank of India Internet Banking page. Login using your username and password. Click on the "e-card" tab on the top bar. Once you have done that, click on "generate virtual card'. Now, select the account you wish to transfer money to the Virtual Card.Using Affirm for payment via PayPal. So I bought something two days ago, using affirm. The seller specified PayPal so I made the virtual affirm card added it to my wallet and paid that way. But it’s been processing for the last two days. I just got an email from Affirm saying it went through, but on eBay it still says “still processing ...You can use it for online shopping, bill payments, and other transactions. However, withdrawing cash directly from an Affirm virtual card isn't as straightforward as visiting an ATM. 2. Linking Your Affirm Virtual Card to a Bank Account. To access cash, you'll need to link your virtual card to a bank account. Follow these steps:Making a payment. Managing AutoPay. Locating your balance. Make a payment. Payment methods. Paying towards multiple loans. Paying back your loan. Locating your payment schedule. Add or remove a payment method.If you need further help with processing refunds, reach out to our Merchant Care team using the Business Resource Hub support widget or by using the help widget in the Affirm Merchant Portal. Please make sure to include the following information: Refund amount; Loan ID; Order IDTrying to get an Affirm chargeback on the website. Go to Affirm and scroll to the bottom of the homepage, then find and click the Help link. Scroll to Orders issues and refunds, and click on Dispute a purchase. Scroll through the various reasons you may be seeking a chargeback. Make sure you have already tried to get a refund through the merchant.Book at vrbo and use Affirm as a payment option to book now pay later with no hidden fees. Learn step by step how to finance vrbo purchases with us. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories.Hi u/lavidalouca - I've used Affirm on Expedia before and it's pretty straightforward. You just select Affirm at checkout and you can choose whether to pay over 3, 6 or 12 months. If you have to cancel your booking, try to do so within 24 hours of your original purchase. Due to 3rd party bookings, if you cancel after that, you may have to track ...With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ...That's really strange. When Affirm declines a transaction, they usually send a text immediately that explains why. To me it sounds like there's something wrong with how the card is linked in Apple wallet. I would try removing the virtual card from Apple wallet and adding it again. Or request the Debit+ card and give that a try.Affirm Card Dispute Affirm Card suspected fraud . If you want to report, or are notified of, suspected fraudulent activity, tap or click the Affirm Card Suspected Fraud button below. Affirm Card Suspected Fraud Note: If you suspect unauthorized use of your Affirm Card and would like to cancel and request a new card, click here to learn more.We would like to show you a description here but the site won’t allow us.California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc.A pending transaction is a request by a merchant to authorize your purchase. This ensures your account is active, with available funds to cover the purchase. Pending transactions affect your available credit and can take up to 5 days to post to your account. When the final purchase amount is received from the merchant, the transaction moves ...With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ...For customer service, you may contact Square online at https://www.cash.me, by phone at 1-855-351-2274, in the Square Cash app, or by writing us at Block, Inc, 1955 Broadway, Suite 600, Oakland, CA 94612. This Card is issued by Sutton Bank pursuant to license by Visa U.S.A. Incorporated.How to use your new card. Add your virtual Affirm card to your digital wallet; Link your bank account to your Affirm Card; Plan your next purchase in the Affirm app; Pay in full for eligible purchases; Split eligible purchases within 24 hours ; Note: Your physical card will arrive in the mail in 7-10 business days.For example, if four individuals are traveling together under one booking, two of the guests may use Uplift to pay their portion of the cruise fare/taxes/fees -- while the other two guests may opt to use an alternate form of payment, such as direct payment to Carnival using a credit or debit card.Enter Affirm Card Details: A form will appear where you need to enter the card details. Retrieve your virtual card information from your Affirm account. This includes the card number, expiration date, and CVV code. 7. Save the Card: Once you have entered the Affirm card details, click on the "Save" button to add it as a payment method on ...The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card can give you the flexibility to pay overtime or pay in full for eligible purchases where Visa is accepted. Upon opening an account, you'll receive a virtual Affirm Card that can be added to your mobile wallet …Affirm Savings is now Affirm Moneyâ„¢. See Savings is now Affirm Moneyâ„¢ for more details. Having an Affirm account won't affect your credit score. If you've met the following conditions and want to close your account, tap or click the 'Contact us' button below to start the process. We'll close your account with no impact on your credit.Just log in to your Back Market account > "Orders" > "Ask for help". Confirm you’re eligible for a refund via our returns policy. Once the return has been processed by Back Market, your refund will show up on Affirm within 3-10 business days. Note that if you paid using a virtual card, it could take up to 45 days for a refund to appear on ...The Affirm Debit card is a convenient way to split up larger purchases. After you make a purchase online or in-store, you can divide the cost into four smaller interest-free biweekly payments, which, unlike a credit card, won't increase your credit utilization ratio. Alternatively, you can opt for a different payment plan but pay interest.Learn how to launch Affirm at checkout and retrieve a virtual card. Learn how to launch Affirm at checkout and retrieve a virtual card. Aller au contenu. Accueil Commencer Solutions Plateformes Intégrations globales. Docs Recette Référence API Changelog.If your purchase amount is higher than the amount on the Virtual Card. Please click here to request a higher purchase amount with PayBright and generate a new card image in your Virtual Card Screen. This will automatically cancel your card and payment plan request. Approval for higher amount is not guaranteed.You can now use Affirm for in-store and online purchases at Walmart. As a result, you can borrow money from Affirm to pay for eligible purchases at Walmart. For any eligible purchases, you can also setup a Affirm Payment Plan that will have a three to 24-month term and interest rates between 0 to 30% APR. To start shopping for the best deal on ...Your rate for pay-over-time plans will be 0%-36% APR based on credit. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, may depend on whether your loan is applied for before or after your Card purchase, and may not be available in all states. A down payment may be required.Affirm Card Banking Services are provided by Evolve Bank & Trust, Member FDIC, issuer of the Affirm Card Visa® pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of New Mexico or U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506.To find your virtual Affirm Card number: Open the Affirm app. Select the Card tab. Tap the image of the card at the top to view your card information. You don't need to wait for your physical card to arrive to begin using your Affirm Card. Add your virtual Affirm Card to Apple Wallet or Google Pay to shop anywhere they are accepted.With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ...The first step to getting the Affirm virtual card in app is to go to the App Store or Google Play Store and download the Affirm app. Once the app is installed, open it and create an account. You will need to provide some basic information such as your name, address, and phone number.Virtual credit cards let you shop online, via the mail and over the phone without providing your physical credit card number to the merchant. Instead, you'll give the merchant a virtual credit card number linked to your account. RUDI SUARDI/GETTY IMAGES. You might wonder why this matters. Well, if a virtual number is used for a …It works like a credit card—just choose to pay by credit card at checkout, then enter your virtual card number. Affirm Card The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card can give you the flexibility to pay over time or pay in full for eligible ...The only way to cancel the affirm would've been to A. Cancel your reservation and Royal would've refunded the money to affirm —> which then would've been reflected in your affirm account a few days later. Or b. Pay off the remaining balance through affirm which an early pay off would've helped you save some money on the interest charged.With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ...Using your Affirm Card. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. My Affirm Card purchase was declined. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.A pending transaction is a request by a merchant to authorize your purchase. This ensures your account is active, with available funds to cover the purchase. Pending transactions affect your available credit and can take up to 5 days to post to your account. When the final purchase amount is received from the merchant, the transaction moves ... The power of Affirm. Now in your wallet. Have it all with the Affirm Card—request to pay over time or pay in full, without any of the fees or compound interest you’d get with your other cards. Application and approval are subject to eligibility. See how it works. Using your Affirm Card. My Affirm Card purchase was declined. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.Why Affirm stands out: In addition to paying in four installments, Affirm offers longer loan terms on large purchase amounts. APRs range from 0% to 36%. Available at checkout or via virtual card — Affirm is a checkout option when you shop on participating retailers' websites, such as Adidas, Walmart and West Elm. But you can also use Affirm ...With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ...Update unused amount on Affirm virtual card. If you don’t use the full amount on your virtual card and need to update your loan to reflect the accurate balance used, you can do this directly through the Affirm app: Access your loan. Select Refund Unused Funds or Cancel Loan. Confirm the action.In this video I will solve your doubts about how to get a virtual card from affirm, and whether or not it is possible to do this.Hit the Like button and Subs...Answer. Contact the store where you bought your item to request a refund. They can let you know if a return is possible and the refund amount, according to their own return policy. Once we receive confirmation from the store, the refund will show up on your loan balance within 3–10 business days. You can see your loan balance in your Affirm ...To use your gift card, visit the Redeem a Gift Card page and enter your gift card code. When you redeem it, we'll add the entire amount to your account. You can also redeem a gift card directly at checkout or via My Account.Sign in. Hi, how can we help?New law will provide consumers a 90-day grace period to use their credit card reward points if their credit card is closed or canceled. If you're a resident of New York State, Gove...If you need to dispute a purchase related to your Affirm Card, tap or click the Affirm Card Dispute button below to submit your dispute. Make sure you are logged in to your Affirm account to successfully submit the dispute. Affirm Card Dispute. Affirm Card suspected fraud. If you want to report, or are notified of, suspected fraudulent activity ...Click Add to Chrome. Pin the Affirm browser extension to your Chrome toolbar. Click on the extension icon. Enter your phone number. Enter the verification code sent to your phone. Using the Affirm Chrome browser extension. When you shop at your favorite online stores, the Affirm extension will change color and a prompt will appear on screen for ...If you purchased something on a credit card, canceled the card and then want to return the item, the merchant may want to issue a refund to your canceled card. We recently learned ...Your Virtual Card will expire 24 hours from the time it was issued. Once the card expires, you can easily regenerate another Virtual Card to use with that specific retailer by clicking on the link in the original email or text message. Just follow a few short steps and you're ready to get shopping! P.S. Once you've been approved for a Virtual ...Using your Affirm Card. My Affirm Card purchase was declined. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.I have used Affirm five times with that attractive proposition in mind and it has had an opposite, deleterious impact on my FICO. Unlike a credit card puchase, Affirm purchases are considered consumer finance accounts on your Experian report. This means that even if you pay on time, your score will go down.Refund to Virtual Credit Card Problem. Jan-20-2017 11:22 PM. Ok I hope I'm not the only one who've run accross this problem. I bought a preordered game a few months ago using virtual debit master card which only lasts a week. Basically whenever I have to use the card I have to activate it to give a different card info using a mobile app and it ...Whether you're looking for information on how to delete your . Affirm account, unsubscribe or cancel a free trial, Emma can help.. Check out the instructions above to cancel your Affirm membership. You can also browse our directory for pages on how to cancel other popular subscription services.. Emma is a money management app that connects to all your bank accounts to help you track paid ...This virtual card can only be used once. You can use the virtual card to pay in-store at Walmart or online purchase. Once the virtual card has been issued to you online, you have 24 hours to make use of it before it expires. You or Affirm and cancel the virtual card any time even if it has not expired.Simply start your return here—as long as you’re within the 30-day window, you should be good to go (see our Returns And Exchanges Policy here for more details) and will receive a full refund. Note for your Affirm statement in the case of returns: If it’s your first purchase using Affirm, you’ll see the balance cancel altogether.In this video I will solve your doubts about how to use affirm virtual card in-store, and whether or not it is possible to do this.Hit the Like button and Su...Open the Affirm app. Select the Card tab. Tap the Settings gear icon in the top right. Tap Link your bank account. Click Continue. Select or search for your bank. Enter your credentials. Notes: You may be able to link the same bank account that you have currently linked to Affirm if your bank is supported by Plaid and meets other specified ...Most virtual credit cards allow you to dictate the amount that a merchant can charge to the card to protect your money. The virtual credit card is designed for both convenience and confidence, and you can find ones to use on your mobile phone to make purchases in person. A virtual credit card is a shield that your real credit card number hides ...With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ...Virtual Card network overview. With the Affirm virtual card solution, no integration work is needed from the merchant. Depending on the solution that works best with the merchant’s customer experience, customers will enter the application flow via text code, URL, or QR code. From there, customers will follow 3 simple steps:The average credit card’s APR was 19.07% for credit card accounts as of November 2022, according to Federal Reserve data. Affirm could thus be a less expensive option if you qualify for 0% ...With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ... To cancel your card and request a replacement card: Open the Affirm app. Select the Card tab. Tap the Settings gear icon in the top right. Tap Help with my card. Tap I need a new card. Select the reason for replacing your card. Confirm your mailing address and tap Continue. You’ll see a confirmation notice letting you know your new physical ... As many of us know and have experienced by now, the 2020 global pandemic has forced most conferences to cancel, postpone, or alter their planned in-person settings. For meetings th...Up to $50 off - $10 off per passenger, up to 5 passengers per booking. T&C's: AFFIRM50 is for flight purchases over $200 only. Non-refundable. Can only be applied to up to 5 passengers in one booking, with a maximum of $10 being discounted per person. Flight seats and prices are subject to availability. Non-refundable and for over 18s only.Update unused amount on Affirm virtual card. If you don’t use the full amount on your virtual card and need to update your loan to reflect the accurate balance used, you can do this directly through the Affirm app: Access your loan. Select Refund Unused Funds or Cancel Loan. Confirm the action.At the payment screen, select Uplift as your payment method. Enter your personal details and click "check my rate." You'll be presented with several payment options, including higher and lower ...

If you don't use the full amount on your card It's fine to only use a portion of the funds in the virtual card. You'll only owe the amount you spend, plus any accrued interest. After the merchant processes your purchase, we'll provide a payment schedule for the full card amount.. Lidl north charleston

how to cancel affirm virtual card

Follow the steps below to lock or unlock your Affirm Card. 1. Open the Affirm app. 2. Select the Card tab. 3. Tap the Settings gear icon in the top right. 4. Toggle the Lock card setting. Note: If your card is lost or stolen, refer to Cancel and request a new Affirm Card. If Affirm detects suspicious activity, we may lock your card and account. Best for cash back: Citi Double Cash® Card. Best for dining: American Express® Gold Card. Best for travel: Capital One Venture X Rewards Credit Card (see rates and fees) Best for entertainment ...Every airline has a different change and cancellation policy. We've covered the details for the major domestic and international carriers. We may be compensated when you click on p...This morning, a guest presented a virtual card from Affirm, which he had selected during the booking process with Hotels.com. He said he wanted to use the card for his stay, and has done so before at other hotels. I advised him I couldn't accept anything but a physical credit or debit card, and encouraged him to take it up with Hotels.com.With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S. No late fees, hidden fees, or paying interest-on-interest. ... The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card ...Frequently Asked Questions. Q: How many times can a Virtual Card be used? A: The Virtual Card is a one-time use card and can only be used for a single transaction.. Q: When does the Virtual Card expire? A: The card will automatically expire 24 hours from the time it is issued. A customer can generate a new card by clicking the “Generate New …Credit card interest is not as straight forward as people think. There are fees and compound interest involved with using credit. So at the end, those rewards the CC give us are being taken back with back fees and compound interest. With Affirm you can also pay earlier without penalties and at much lower interest rate.Just log in to your Back Market account > "Orders" > "Ask for help". Confirm you're eligible for a refund via our returns policy. Once the return has been processed by Back Market, your refund will show up on Affirm within 3-10 business days. Note that if you paid using a virtual card, it could take up to 45 days for a refund to appear on ...Google Pay. Use virtual card numbers to pay online or in apps. When you save a credit or debit card to your Google Account, you may be able to turn on a virtual card number. …Using your Affirm Card. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. My Affirm Card purchase was declined. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.The original physical Affirm card will be canceled once a replacement card is requested, so if it does arrive in the meantime, you won't be able to activate the original card. Note: Both your physical and virtual card will be reissued when you cancel an existing card, so be sure to update anywhere you have your Affirm Card on file.Starting a payment with Affirm on the web with a virtual card consists of creating a checkout form, tokenizing customer information securely, and generating a virtual card. You can then process the card through your existing payment gateway.This guide shows you how to include Affirm.js and Affirm Ch...Using your Affirm Card. My Affirm Card purchase was declined. Using my Affirm Card. Request a payment plan before checkout. Request a payment plan after checkout. Pay in full purchases. Fuel purchases using Affirm Card. Edit or cancel a payment plan before checkout. Affirm Card debit limits.This morning, a guest presented a virtual card from Affirm, which he had selected during the booking process with Hotels.com. He said he wanted to use the card for his stay, and has done so before at other hotels. I advised him I couldn't accept anything but a physical credit or debit card, and encouraged him to take it up with Hotels.com.First introduced at Walmart in 2019, Affirm offers a seamless way for shoppers to finance their purchases without using a credit card or layaway program. Customers can check their eligibility online before shopping using a desktop or mobile device. Similar to a traditional credit card, not all shoppers will qualify for an Affirm …Select payment options may be eligible for repayment in the form of credit cards. Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.Purchasing power in the Affirm app; The Affirm app gives you an idea of how much you can spend through a virtual card. Later, if you request a loan and are approved, you’ll get a virtual card to use at almost any online or in-store checkout. Purchasing power at partner storesJust log in to your Back Market account > "Orders" > "Ask for help". Confirm you’re eligible for a refund via our returns policy. Once the return has been processed by Back Market, your refund will show up on Affirm within 3-10 business days. Note that if you paid using a virtual card, it could take up to 45 days for a refund to appear on ....

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