Hi, @george79! Let me help you clear things up.
QuickBooks (QB) Payments doesn't have an exact time frame of when a requested refund for your customer will be clear. This will be based on the bank processing the refund.
As long as you requested 5 days passed since the initial transaction, it'll be refunded and cleared. For additional information, QB Payments allows refund processing within six months from the date of the sale. After this period, you can provide a refund using cash or check.
Feel free to visit this article for additional details: Void or refund transactions in QuickBooks Payment.
I'll also share this article to learn the different deposit speeds of customer payments: Find out when QuickBooks Payments deposits customer payments.
Feel free to return here for additional refund request questions.