Can I Get a Refund on Peanut?

Completed payments on Peanut are final — there are no merchant-initiated or Peanut-initiated refunds. If a payment fails mid-transaction (the merchant did not receive it), Peanut auto-reverses it to your balance. Unclaimed Peanut Links can be reclaimed at any time.

QR Payments (Mercado Pago, Pix)

• Completed payments are final. Once the merchant receives the payment, it cannot be reversed.
• Failed payments are auto-reversed. If the payment was sent but the merchant did not receive it (network error, timeout), Peanut automatically refunds your balance. This typically takes under a minute.
• Wrong amount charged? Contact support. There is no formal dispute process, but support can investigate the transaction.
• Double charge? Contact support with both transaction details. This is resolved on a case-by-case basis.

Peanut Card Payments

The Peanut Card is in closed beta, rolling out gradually through a waitlist. Check if you're eligible to skip the waitlist at peanut.me/shhhhh.

• Declined card payments reverse automatically. If a card payment is declined (for example, at a restricted merchant category), the hold on your funds is released and the money returns to your balance on its own. Most reversals settle within minutes.
• Pending authorizations can linger. If a merchant never completes an authorization, the hold closes automatically after 14 days (amounts up to $1,000) or 31 days (above $1,000). If a hold seems stuck, contact support.
• Merchant refunds on card purchases appear as separate transactions in your history and usually settle near-instantly.

Peanut Links

• Not yet claimed: You can reclaim the funds at any time. Open the link from your account and select Reclaim. The money returns to your balance instantly.
• Already claimed: The transfer is complete and cannot be reversed. If you sent the link to the wrong person, contact support.

Bank Withdrawals

• Failed withdrawal: If the bank rejects the transfer (wrong details, closed account), your balance is automatically re-credited — usually within 1 day.
• Pending withdrawal: Once confirmed, withdrawals cannot be cancelled.
• Sent to wrong account: Contact support immediately. Recovery depends on the receiving bank.

Crypto Withdrawals

• Completed transactions are final. Once broadcast to the network, they cannot be reversed or cancelled by Peanut.
• Sent to wrong address: If the address is valid on the selected network, the funds are gone. If sent to an unsupported network, contact support — some tokens can be recovered.