![]() To locate a refunded Apple Pay Later loan: If your refund is greater than your remaining loan balance, it may take up to 5 days to appear on your debit card account depending on your financial institution. Keep in mind that processing times will vary by merchant and can take up to 10 days to process. ![]() We'll then apply the refund to the payments you owe on your loan and update your payment schedule in Wallet. If you return any part of your purchase and are eligible for a refund, in most cases the merchant will notify Apple Pay Later. If you experience issues returning your items, contact the merchant first. The amount of time that you have to return items, return conditions, potential restocking fees, and the type of refund you receive will vary depending on the merchant. If you want to return any part of an order placed with Apple Pay Later, check the merchant's return policy and follow the steps provided. ![]() See how refunds are applied after you’ve returned an item to the merchant. Return a purchase made using Apple Pay Later
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