What happens if I return something I purchased?

Present the card used for purchase when you return the merchandise. If the merchant’s return policy allows it, the merchant will credit the amount of the purchase back to your card.

When returning an item purchased online, have your card number available in order to process the return. The merchandise value will be credited back to your card within three to seven business days.

If you received cash back on the original purchase, the amount of the cash back might be returned to the merchant through a debit to your account. The same also applies to a partial return for the amount of the cash back applicable to the portion returned.

The merchant will credit your account for the full or partial purchase amount, depending on how much of the merchandise was returned. PayForward will debit your account for the full or portion of the cash back you received, again, depending on how much you returned.