My account stated that the microsoft refunded me but it did not reflect to my card

If the Microsoft account shows that the refund was issued but it has not appeared on the card yet, follow these steps:

1. Wait a few days for processing
   • For games and apps, refunds are generally processed within 3–5 business days and applied to the original payment option.
   • Even after Microsoft issues the refund, banks and card providers can take a few days to post it to the account.
2. Confirm refund status in the account
   • For games and apps (including Xbox purchases):
     • Go to the Xbox order history page and find the product; it will show the refund status.
   • For devices or physical items:
     • Go to the Microsoft account Order history page and check the status of the return/refund.
3. If the refund still does not appear after several days
   • If the refund shows as issued in Microsoft order history but is not on the card statement after the typical processing window, contact the payment provider (bank/credit card company) to ask about the pending credit.
   • If there is any doubt about what was refunded or if the refund status is unclear, contact Microsoft Store/Sales Support using the guidance in the referenced articles so they can review the specific order and refund.

Do not request a chargeback from the bank unless the transaction is truly disputed or unauthorized, as repeated misuse of chargebacks can be considered fraud.

References:

• Check the status of your Microsoft Store return or refund
• Get a refund for apps and games purchased from Microsoft Store
• Get an exchange or refund on devices bought from Microsoft
• What is a chargeback?