More than 90 days has passed on an ACH payment - Credit card payments may be refunded at any time but ACH payments can only be refunded within 90 days
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The payment hasn't fully processed yet - in order to issue a refund, the original payment has to be fully processed. If the payment still shows as "pending", you will need to wait until the status updates to "paid". Unfortunately, we cannot intercept pending payments or issue reversals.