Billing Status and Refund Instructions | 账单状态与退款说明
Last updated
Last updated
When using the Infini Card to make payments to merchants, once the payment is successful, the order will enter the bank settlement process. At this point, the billing status will be marked as 'Pending.' This settlement process is a normal occurrence and is required for any orders processed through Mastercard/Visa. The settlement process typically takes 3-5 business days (though it may exceed this timeframe in certain special cases). This settlement does not affect the payment status of the order or the user's Infini account status. Users do not need to worry about this settlement process and can continue to use their Infini Card as usual.
Orders will be marked as 'Completed' once the settlement is finalized.
If a user applies for a refund after making a purchase, the refund will be automatically processed and returned to the user's Infini account within 5-21 business days. During this period, the card issuing bank must complete the settlement process with the merchant. Since this settlement process involves multiple parties, including the card issuing bank, the merchant, and the Visa/Mastercard network, the issuing bank cannot provide Infini with accurate data on the refund progress. As a result, users will not be able to view the refund progress in the billing details. However, due to the strict accounting requirements of banks, all refunds will eventually be credited back to the user's account. Once the refund is successfully processed, users can filter the 'Refund' category in their Infini account's billing details to locate the refunded transaction.
Due to differences in network conditions across global merchants, users may occasionally encounter the following situations:
The merchant shows the payment failed, but Infini indicates that the amount for the order has been deducted.
The merchant shows the transaction as successful, but Infini indicates that the amount for the order was deducted twice.
The above situations are caused by network communication issues between the merchant and the card issuing bank. Any erroneous or duplicate charges resulting from this will be automatically refunded to the user's Infini account after the 5-21 days settlement process. Users need not worry.
The following refunds will incur a refund processing fee charged by the card issuing bank:
When a user voluntarily requests a refund from the merchant, a 2% refund processing fee will be charged by the card issuing bank, with a minimum fee of 0.01 USD.
If the transaction has not been settled and has not reached the merchant's account, and the user requests to cancel the transaction, the card issuing bank will charge a $1 processing fee, with a minimum fee of 0.01 USD.
The above refund processing fees are all charged by the card issuing bank, Infini does not charge any refund processing fees. Any payment processing fees previously charged by Infini will also be refunded.
在使用 Infini 卡向商户进行支付时，支付成功后该订单将进入银行结算流程，此时账单状态为 '结算中'，并在账单详情中显示 '待处理'，该结算流程属于正常现象，任何经 Mastercard/Visa 的订单都会经历该流程，结算过程需要3-5个工作日（在某些特殊情况下可能超过该周期）。该结算不影响订单支付与用户的 Infini 账户状态，用户无需担心该结算流程并可正常使用其 Infini Card。
结算完成后的订单会显示 '已完成'。
当用户在消费后，如果申请了退款，则该退款将在5-21个工作日内自动退款至用户的 Infini 账户中。在该时间内，发卡行需要与商户进行结算流程，由于该结算流程涉及发卡行、商户、Visa/Mastercard 网络等多方，故发卡行无法向 Infini 提供退款进度的准确数据，用户将无法在账单详情中查看退款的进度情况。但由于银行对账目的严格会计要求，任何退款都会在最终退回到用户账户中。退款成功后，用户可在其 Infini 账户的账单中筛选 '退款' 分类并找到该笔退款。
由于全球商户的网络条件差异，用户可能在偶发的情况下遭遇以下情况：
商户显示用户支付失败，但 Infini 显示该笔订单已扣款。
商户端显示交易成功，但 Infini 显示该笔订单进行了两次扣款。
以上情况皆因商户与发卡行网络通信问题导致，并且由此发生的任何错误扣款与多次扣款，都会在经过5-21天的结算流程后，自动退款到用户的 Infini 账户中。请用户无需担心。
以下退款，将由发卡行收取相应的退款手续费：
用户主动在商户申请退款，退款到账后，发卡行收取2%的退款手续费，最低0.01美元。
如交易如尚未结算完成，未进入商户收款账户，用户申请取消交易，发卡行行收取 1 美元手续费，最低0.01美元。
以上退款手续费皆由发卡行收取，Infini 不收取任何退款手续费。退款后由 Infini 收取的支付手续费也将退回。
