I have had very few refunds over the years. Most were, through no fault of mine, when the largest discount American retailer has (non-ebay transaction) cancelled my orders after receiving immediate payments from Paypal. I have been shocked at how long it takes to get the money back into my bank account or even to show up as a paypal balance so I can use the funds again. My daughter who is a CPA told me that businesses delay returning refunds so that they can use the millions of dollars (known as FLOATS in the business world) for "overnight" loans in the international loan system. My family all loved using our individual accounts with Paypal over the years for the security afforded our bank accounts. We have had very, very few refunds, but when we do, we find it totally unacceptable to wait 10 days to have the funds even show up as a paypal balance to be used again. Paypal should make the refund policy much more clear to its millions of users. It is so obvious that this policy is the most misunderstood of all the Paypal policies.
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