When a merchant issues a refund, the money returns to your KOSH Card balance, but not instantly.
Typical timeline
Refunds usually appear on your card within 5 to 10 business days after the merchant processes them. The exact timing depends on the merchant and their payment processor. Some are same-day, others take the full window.
Things to check while you wait
Confirm the merchant has actually processed the refund. "We've approved your refund" and "we've processed your refund" are different steps. Ask for a refund confirmation or ARN (Acquirer Reference Number) if possible.
Refunds return to the same card. If you've cancelled or replaced your card since the purchase, contact us so we can make sure the refund reaches you.
Refund hasn't arrived?
If it's been more than 10 business days since the merchant confirmed the refund, contact us via in-app chat or [email protected] with the merchant name, refund confirmation, and amount. We'll trace it.