A refund can be fully completed on LumaDock's side and still take time to appear in your bank or card account. This delay depends on external financial systems, not on LumaDock.
LumaDock uses Stripe as its main payment processor.
Why refunds take extra time
Once a refund is issued, it leaves LumaDock's system and enters the payment network. From that point, your payment provider and bank handle the transaction. Common reasons for delays include:
Banks and card issuers applying internal verification steps
Payment gateways batching or delaying settlements
Currency conversion or cross-border processing delays
Because of this, the refund may show as pending for a while or appear only after several business days.
What LumaDock can and can't control
LumaDock controls when the refund is issued. After that, the timing is managed by your bank or payment processor. If the refund status shows as completed on our side, the money has already been released.
Where to find official policy details
Who can get a refund, and how to ask for one, is explained in How to request a refund. The full refund conditions and timelines are in our Refund Policy.
If the delay is longer than your provider's standard processing time, contact your bank or card issuer directly. They can see the transaction in their system and confirm when the money will be credited.