How long a refund takes to show up on my card
Once the organizer processes it, the reversal reaches your statement within up to 2 billing cycles — here's why.
Once a refund has been started, how long the credit-card reversal takes is up to neither Baila nor the organizer. It depends on the card network (Visa, Mastercard, Elo, and so on) and on your issuing bank. The average is 15 to 30 days, but it can stretch to 2 billing cycles.
On a credit card, the money does not go back to your bank account — it shows up as a credit on your statement (subtracted from future purchases or, if it leaves a positive balance, redeemable with your bank).
How the flow works
- The organizer triggers the refund in the Baila dashboard (or directly in Asaas).
- Asaas sends the reversal order to the card network.
- The network passes the instruction on to your card's issuing bank.
- The issuing bank credits the amount to your statement — this is where the timing varies.
Why does it take so long?
The flow involves 3–4 financial institutions exchanging information. Each one has its own processing cycle — and the issuing bank still has to match the credit against your open statement or the next one. So even if the organizer processes it immediately, the credit can take days.
What if I paid with PIX?
When the payment was made with PIX (Brazil's instant bank transfer), the money goes back to the payer's account through the automatic Asaas reversal, usually within 1 business day after the organizer processes it. You don't have to supply a PIX key or bank details — the reversal lands back at the source on its own.
What to do if it takes too long
If more than 30 days have passed since the organizer confirmed the refund and nothing has shown up on the card:
- Confirm the reversal status with the organizer in their dashboard.
- Contact your card's issuing bank — ask for a case number, quoting the reversal date.
- If that still doesn't resolve it, the organizer can open a ticket with Asaas.