The refund time after a remittance failure is affected by various factors, including the remittance channel, the number of banks involved, the financial systems of countries and regions, and the internal processing procedures of banks. Generally, refunds take 5-20 working days, depending on the bank. To ensure smooth receipt of refunds, it is recommended to contact the receiving bank in a timely manner, request a refund number or a screenshot of the return email to BiyaPay customer service, and we will regularly monitor the account to confirm the refund progress.