A refund (sometimes called a
follow-oncredit) is linked to a capture in the CyberSource system. You can request multiple refunds against a single capture.
If you are using CyberSource through VisaNet, you must request a follow-on credit within 180 days of the authorization. For all other processors, you must request a follow-on credit within 60 days of the authorization.
When your request for a refund is successful, the issuing bank for the payment card takes money out of your merchant bank account and returns it to the customer. It usually takes two to four days for your acquiring bank to transfer funds from your merchant bank account.