The merchant will use your device to process the return, just like they’d use your card if you’d paid using that. The merchant should follow the same steps as for making a payment:
*To see the last 4 digits of your 16-digit VAN relating to your card in your device:
- On the device used to make the original payment, select the correct card for the refund. If you are unsure, you can check the last four digits of the Virtual Account Number (VAN)* used against your receipt.
- Hold your device near the terminal to authorise the return.
- Open the app
- Tap the card
- Tap 'i'
- The Virtual Account Number (VAN) is displayed.
Depending on the return and refund policies of the store, it may take several days for the return to appear on your statement. This is the same as traditional debit or credit card refunds.
If you have lost your device, and require a refund, the merchant should be able to perform the refund by using your receipt / proof of purchase, in the same way if you lost your physical card.