The refund will be handled based on the initial payment method selected when placing your order. - If you paid by Cash on Delivery (COD), your refund will be transferred to your Cartlow Wallet, following which you can follow a few simple steps to transfer the money to your bank account. - However, if you paid with a credit card, the refund process will be issued to the same card you used to make the purchase. - It is the customer's responsibility to enter the correct Credit Card or Bank Details.