Cancelled Cards:

A refund can be processed successfully to a cancelled card number if the refund was processed before the card was cancelled 👍
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Refunds can take 5-7 business days to process and we can't see any "pending" refunds. Once the funds have been processed successfully, you'll see that refund in-app!

Locked Cards:

If the card is just temporarily locked, it will need to be unlocked first prior to the merchant attempting the refund, otherwise, it will be declined. If the refund is declined, please unlock your card and then have the merchant re-attempt the credit.

You can quickly lock and unlock both your KOHO card in-app by clicking on the My cards on the Spend screen > Lock card.

If you are visiting your KOHO account via web, just select the 🔒symbol to do this.

Expired Cards:

A refund can be applied to an expired card.