Partial refunds are subject to the individual merchant’s policy, which can typically be found on their website or by contacting them directly. If the merchant processes a refund, it will be reflected in your order details under "Bills" in Atome app.
1) Deduction is Original Payment Amount minus Partial Refund
If your partial refund is processed within 3 days after your order date, there are instances when the original deduction amount was $x but the actual deduction amount is $y after taking into account the refund. In such cases, you can check your bank statement or record to verify the final deduction amount.
2) Partial Refund via Order Adjustment
If the merchant agrees to a partial refund after your first payment deduction, your order amount may be adjusted and you will pay less for the subsequent payments.
3) Partial Refund to Card/Bank Account
There are also instances when the amount will be credited to your card/bank account that is tagged to your Atome account within 7 to 14 business days once the merchant processes a refund. Refunds will be credited back to the original payment method the funds were deducted from. There is, however, a dependency on how long your card issuer/bank takes to credit the refund.
If you have any questions on your refund, please submit a request and provide us with your Order ID and refund amount for us to advise you on the refund status.
Cancellation or closing of card/bank account
If you have cancelled or closed your card during the time the purchase was made, please contact your card issuer or bank to locate the returned funds and ensure that they are properly paid out to you. If your bank requires refund details e.g. refund date and amount, you can get in touch with us and ask for your refund confirmation.
If you have closed your bank account, the refund will be processed via PayNow to the account associated with your NRIC. If we're unable to do so, we'll be in touch with you for alternative refund methods.