You can return an item you paid for on a BNPL plan, but the process is anything but smooth. Reddit users have shared stories about difficult BNPL returns. Most found the process to be clunky and ...

You also won't receive your refund right away, because the retailer will refund the BNPL company. It could take several days to over a month for the BNPL provider to then refund your money.

One suggestion it offers is to make sure you don’t already have too many BNPL plans open before hitting “checkout” again. The CFPB encourages consumers to file complaints at its website.