Welcome to the Niyo Community! 
We totally understand your concern regarding the refund! Rest assured, your funds are safe and secure. Based on your confirmation, if the merchant has processed the refund, it should reflect in your DCB savings account within 30 working days from the transaction date.
We kindly request you to wait for the banking timeline to complete. However, if you don’t receive the refund within the stipulated time, please do reach out to us again, and we’ll escalate the issue and assist you promptly.
Thanks a lot for your patience! 
