Refunds will be credited back to the original payment method used:

• PayNow QR: refunded to the bank account linked to the PayNow transaction

• Apple Pay / Google Pay: refunded to the underlying card linked to the digital wallet

A separate notification may not be sent when the refund is processed. We recommend checking your bank or card statement to confirm.

To check whether your refund has been completed, please refer to:

• Your bank account statement or banking app transaction history (for PayNow QR refunds), or

• Your credit or debit card statement linked to Apple Pay or Google Pay

Refund processing time may vary depending on your bank or card issuer.