[
    {
        "role": "user",
        "content": "I%20topped%20up%20an%20internal%20work%20app%20for%20catering%20with%20my%20revolut%20card%20for%2010%20euro.%20I%20got%20a%20message%20from%20the%20app%20saying%20it%20was%20declined%2C%20so%20I%20did%20it%20again%2C%20and%20the%20second%20transaction%20was%20credited%2C%20but%20the%20first%20one%20was%20not.%20Both%20transactions%20have%20been%20taken%20from%20my%20revolut.%20Will%20the%20one%20that%20was%20not%20credited%20be%20returned%20to%20my%20revolut%3F"
    },
    {
        "role": "assistant",
        "content": "Yes \u2014 in most cases the \u20ac10 that wasn\u2019t credited should return to your Revolut account automatically, but it may take a bit of time. Here\u2019s how this usually works and what you should look out for.\n\n---\n\n### What usually happens with declined / uncredited transactions\n\n- If a merchant declines a payment or doesn\u2019t claim the funds in time, Revolut classifies the payment as *reverted*. That means the money that was held temporarily is released back to you \u2014 it\u2019s not treated as a regular \u201crefund\u201d because the charge was never fully completed. ([help.revolut.com](https://help.revolut.com/en-US/business/help/making-paymentsbusiness/issues-with-cards-and-card-payments/why-has-my-card-payment-been-reverted/?utm_source=openai))\n\n- Revolut says that if a payment is \u201creverted\u201d, \u201cyou weren\u2019t charged in the first place\u201d in the sense that the merchant never finalized the transaction. The funds are typically returned without a separate refund transaction. ([help.revolut.com](https://help.revolut.com/en-US/business/help/making-paymentsbusiness/issues-with-cards-and-card-payments/why-has-my-card-payment-been-reverted/?utm_source=openai))\n\n---\n\n### Timeline & What to Expect\n\n- Usually it takes a few business days for the reverted transaction to show up in your Revolut balance. Revolut mentions a **maximum of about 5 days** in some countries. ([help.revolut.com](https://help.revolut.com/en-CH/business/help/card-payments/refunds/refund-isn-t-showing-on-my-statement/?utm_source=openai))\n\n- If the merchant initiates a refund or \u201creverts\u201d payment, it will show on your account once Revolut is notified from their side. Sometimes it appears in a section called \u201cUpcoming payments\u201d or \u201cPending refunds.\u201d ([help.revolut.com](https://help.revolut.com/en-CH/business/help/card-payments/refunds/refund-isn-t-showing-on-my-statement/?utm_source=openai))\n\n---\n\n### What You Can Do\n\nIf after a few days the money still hasn\u2019t appeared:\n\n1. **Check the Revolut app**  \n   - See if the first transaction shows as \u201creverted\u201d, \u201crefund pending\u201d, or similar.  \n   - Review whether only one transaction was \u201ccompleted\u201d (the second one that was credited).\n\n2. **Contact the merchant / the work app**  \n   - Ask them to confirm that they didn\u2019t process the first top-up, or why it failed/was declined.\n\n3. **Contact Revolut support**  \n   - If the payment status is unclear, or if there was no reversal, contact support via the app.  \n   - If needed, you can also open a formal dispute (chargeback) through Revolut if it looks like you were charged incorrectly. ([revolut.com](https://www.revolut.com/blog/post/how-to-dispute-card-transaction/?utm_source=openai))\n\n4. **Keep receipts / screenshots**  \n   - Take screenshots of transactions and any messages from both Revolut and the merchant. These help in explaining the issue to support.\n\n---\n\nIf you want, I can help you craft a message to Revolut support, or check if your account shows anything unusual for that first transaction. Do you want me to walk you through that?"
    }
]