How to Bill Pay and refund not come like 1 month

[jvfarr74]

any one know how to billpay and refund not come like 1 month if anyone know dm to inbox please

 

[Papa Carder]

The phrase "How to Bill Pay and refund not come like 1 month?" likely refers to a situation where you're using Bill Pay (from your bank) to make a payment toward a US credit card (or similar bill), but the payment either:

• takes an unusually long time to post (up to a month or more),
• gets delayed/held,
• or is returned/reversed/refunded back to your account after ~1 month (or doesn't credit properly at all).

This is a common complaint with paper check Bill Pay or certain ACH push payments to credit cards, especially from banks like Chase, Citi, Capital One, US Bank, etc. Normal electronic payments post in 1–5 business days, but delays or returns stretching to weeks/1 month usually indicate a specific issue.

Normal Processing Times for Bill Pay to a Credit Card (2026)​

• Electronic ACH push (if your bank supports direct ACH to the card issuer): 1–3 business days typical (sometimes same-day or next-day if cut-off times are met, e.g., before 8 p.m. ET for many issuers).
• Paper check Bill Pay (what most banks default to for credit cards unless you add them as an electronic payee): 5–10 business days mailing + processing (can stretch to 2–3 weeks in busy periods like holidays).
• Direct from issuer site/app (ACH pull from your bank account): Usually 1–2 business days, often faster if same-bank.

If it's taking close to 1 month or the money comes back as a refund/reversal, it's not normal — something is wrong.

Most Common Reasons Why a Bill Pay Payment Takes Forever or Gets Refunded/Returned After ~1 Month​

1. Sent as Paper Check + Postal/Mailing DelaysMany banks still mail physical checks for credit card payments (even if you schedule via "Bill Pay"). USPS delays, wrong address on file at the issuer, or issuer processing backlog → payment arrives late or gets lost → issuer may return it or hold it.
2. Incorrect Payee Details or Routing Issues
   • Wrong account number, payee name mismatch (e.g., "Chase Credit Card Services" vs. exact name), or old/outdated payment address.Issuer rejects/returns it → funds bounce back to your Bill Pay account (often 2–4 weeks later due to return processing + mail time).
3. ACH-Specific Rejections/Returns(if electronic)
   • Return codes like R03 (No Account/Unable to Locate), R13 (Invalid Routing), R01 (Insufficient Funds — but on receiving side rare), or administrative errors.ACH returns usually process in 2–5 business days, but if disputed/reprocessed or manual review involved, it can drag to weeks/1 month.
4. Payment Hold / Verification Delay at IssuerSome issuers (e.g., Capital One) place a "payment hold" of 3–9 days (or longer) while confirming funds cleared from your bank. If unusual (new source, large amount, pattern flags), hold extends → looks like "not posting" for weeks.
5. Issuer Processing Backlog or ChangesRare, but issuers sometimes change payment addresses/methods → old payments get delayed/returned. Or high volume causes slow posting.
6. Returned as "Refund" After Long DelayIf the payment never posts (lost check, rejected ACH), the sending bank eventually reverses/credits it back (can take 2–6 weeks total cycle).

How to Make Bill Pay Work Faster and Avoid 1-Month Delays/Refunds​

1. Switch to Fully Electronic Methods (Fastest & Most Reliable)
   • Pay directly on the credit card issuer's website/app (Chase, Citi, etc.) → link your bank account once → ACH pull. Usually posts in 1–2 days.
   • Set up autopay from issuer side (pulls from your checking).
   • If your bank supports it, add the credit card as an electronic payee in Bill Pay (not paper check) — some banks convert to ACH if possible.
2. Verify Payee Setup Before Scheduling
   • In your bank's Bill Pay, search/add the credit card issuer using exact name/address from their site (e.g., Chase: "JPMorgan Chase" at specific lockbox address).
   • Test with a small payment ($1–$5) first to confirm it posts quickly.
3. Avoid Paper Checks When PossibleIf your bank forces paper for that payee → switch to direct issuer payment or use debit card/online transfer instead.
4. If Payment Is Already Delayed
   • Log into your bank's Bill Pay → check status (pending, sent, returned).
   • Call your bank (the one sending Bill Pay) → ask for trace/confirmation (they can provide check image or ACH trace).
   • Call the credit card issuer → give payment confirmation number/date/amount → they can research if received/pending.
   • If returned → funds should reappear in your account automatically (may take 1–4 weeks); re-send via faster method.
5. Prevent Future Issues
   • Pay early (at least 7–10 days before due date for Bill Pay).
   • Use issuer-direct payment for time-sensitive due dates.
   • Monitor alerts/statements closely.

In short: Bill Pay via paper check is the main culprit for month-long delays or refunds. Move to direct electronic payments from the credit card site/app — it's faster, more reliable, and avoids most return risks. If this is happening repeatedly on specific cards/banks, share the exact issuer (Chase? Citi?) for more tailored steps.