As much as 10% of all POS transactions get declined due to one reason or the other. Normally, the customer gets automatic reversal of their money after a receipt is printed within 24 hours, or at the latest, within 5-7 working days.

However, in rare cases, it can happen that a customer does not get a reversal several weeks after the POS transaction was declined and the amount deducted from their accounts and they did not receive merchandise or the service they paid for because the POS receipt said transaction declined.

This article is a guide on how to properly log a complain with your bank and get your money back when you have a dispute with a merchant over a declined transaction that happened on their POS machine.

https://streetsofkante.com/how-to-log-a-pos-transaction-declined-cashback-dispute/