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# How does the refund work if I paid on credit with Alma?

There are two possibilities for a refund when you have paid for your order with Alma:  
  
* **You have paid for your order in full** and all direct debits have been made: the refund is made in the classic way in a single instalment.
  
* **You have not finished paying for your order** and direct debits are still in progress: the amounts of the instalments already paid are refunded to you and the instalments not yet paid are cancelled.
  
Once the refund of your purchase has been initiated, you will receive the corresponding funds on your bank card within a few days. Depending on the bank, it may take up to ten days for the refund to appear in your account.  
You are still responsible for Alma's service charges.  
  

**Related answers :**  
* [When I return an item, do I get a 100% refund?](/en/article/lorsque-je-retourne-un-article-suis-je-bien-remboursee-a-100-s95n9/)