Online refunds usually take 3–5 business days. That’s because we wait for the store to confirm the return and send the refund to us. Once we’ve got it, it can take up to five days to reach your account.
In-store refunds occur immediately at the till. As soon as you hand back the items and the cashier asks you to tap your Zilch card, we’ll trigger the refund.
We'll still take payments for the purchase even if you're waiting for a refund – please make sure you pay these to avoid missing instalments. Once the store confirms your return, we'll refund the cost back to you.
Partial refunds
If you only return part of a purchase made with Pay now, you'll get that amount back to your account (immediately if you make the return in-store or within 3–5 days if you're sending the items back for an online return).
If you're returning part of a purchase made with Pay over 6 weeks or Pay over 3 months, we'll lower the cost of one of your upcoming instalments by the refunded amount. If your refund amount is more than your remaining instalments, we'll refund the extra back to your account.
Pay by Bank
If you used Pay by Bank for any instalments, that part of your refund will go straight back to the bank account you used at the time. If you paid with a mix of Pay by Bank and debit card, your refund will be split across both – each method gets back what you paid.
Heads up: bank refunds usually land faster than card refunds, but all refunds should be with you in 5–10 days.
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