Credit Not Processed

Mastercard 4860 means you agreed to refund the customer but the credit never landed on their statement. Often a timing issue — refunds can take 5-10 days. If you actually issued the refund and have proof, you win.

What you need to win

• ▸Refund transaction ID and timestamp
• ▸Email or message showing refund confirmation sent to customer
• ▸Bank settlement record for the refund

How to actually do it

1. 01. Pull the refund record from your processor — Stripe shows refund_id and status.
2. 02. Forward the customer the refund confirmation again with the transaction ID.
3. 03. Highlight that bank-side processing takes 5-10 days.