If a disbursement request fails, you will be automatically refunded the full amount of the disbursement (amount + fees) to your Nkwa Pay account balance. This ensures that no funds are lost due to failed transactions.
Refunds are typically processed immediately when the system receives a failed status from the Mobile Network Operator (MNO). However, in cases where the MNO systems experience degradation, reconciliation might take longer (usually within 24-48 hours).