> For the complete documentation index, see [llms.txt](https://faq.wanttopay.net/wanttopay-app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://faq.wanttopay.net/wanttopay-app/english/kak-polzovatsya-kartoi/uderzhaniya-i-vozvraty.md).

# Deductions and refunds

Rules and timelines for holds (HOLD), merchant refunds, and merchant disputes.

### HOLD

HOLD is a temporary freeze on the transaction amount. While the transaction is being processed, the money is unavailable on the card balance.

**Reasons:** The transaction cannot be completed due to issues on the merchant’s or provider’s side.

**Timeframe:** up to 45 days.

**Processing result:**

* the amount is returned to the card balance;
* the amount is charged in favor of the merchant.

The Wanttopay team cannot cancel the HOLD or influence its outcome until processing is complete.

### Merchant refund

To get a refund for a purchase, contact the merchant. They must initiate the refund.

**Timeframe:** from several days to 45 days. Depends on the merchant and the card-issuing bank.

Wanttopay is not involved in processing the refund and cannot speed it up.

### Merchant disputes and blocks

Wanttopay is not a party to the transaction between the cardholder and the merchant.

* Claims regarding the quality of the service should be directed to the merchant.
* For account block issues as well.

{% hint style="info" %}
**Important:** Anthropic blocks accounts for violating its rules without refunds. A refund can only be requested from the merchant itself. The card provider does not initiate chargebacks for transactions with Anthropic.
{% endhint %}


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