1) Refund to card
Once the merchant processes a refund, the amount will be credited to your card that is tagged to your Atome account within 10 to 15 business days. There is, however, a dependency on how long your card banks take to credit the refund. Please refer to your merchant/bank on refund status.
If your refund is processed within 3 days after your order date, the refund may go through in the form of a reversal. In the case of a reversal you will not see a refund credit on your statement – you will just see the original authorisation drop off their statement entirely after a few days. There will be no payment, and no refund. It will appear as if the whole transaction never happened. You may contact your bank to confirm this.