My subscription has been declined. Where's my refund?

If you're wondering about the status of your refund from Circular, the process depends on whether your payment was a pending transaction or if it had already been transferred to Circular. Here’s what happens in each scenario:

Reversal of Authorisation Hold

• What Happens: If your subscription order is declined or cancelled before approval, the amount initially held for the first month's subscription remains as an authorisation hold by your bank or payment provider. This means no funds have been transferred to Circular.
• Next Steps: Circular will instruct your bank to release this hold immediately upon order decline.
• Timing: The release process typically takes 3 to 7 business days for the hold to be removed from your account, after which the hold will disappear from the Pending Transactions section of your bank statement. The funds, having never been transferred to Circular, are not considered a payment, therefore no refund transaction will occur.

All Other Reasons: Refund to Bank Account

• What Happens: If a payment has been made to Circular and you’re entitled to a refund (for reasons other than a declined subscription order), the refund will be processed directly to your bank account.
• Refund Process: Circular initiates a bank transfer for the refund amount.
• Timing: It may take up to 10 business days for the refund to be reflected in your bank account, appearing as an incoming transaction on your statement.

For both scenarios, if there's any delay beyond the expected timeframe, or if you need further clarification, contacting your bank is a recommended step to understand the specifics of the transaction.