From the official description:

There are two types of refund methods for credit card repayment failure:

1. The Alipay account has been activated:

< p>Balances, savings card cartoons, and some online banking payments will be returned to the available balance of the Alipay account, and you can apply for cash withdrawal;

Some online banking payments will be returned to the bank card through the original method (subject to Alipay receipt and payment details).

2. Inactive Alipay accounts and accounts that use savings cards for quick payment: the amount after failed repayment will be returned to the bank card.

It takes 1 to 6 days to return the bank card. You can click here to check the progress of the original return and the reason for unavailability