A pending transaction on your debit card, however, will limit access to the actual funds in your account for as long as it takes the transaction to disappear.
How can I access my money faster? Interest will be charged to your account from the posting date which is usually within a few days after the purchase date if the purchase balance is not paid in full within 6 months.
Other times you will have to wait until the tracking shows delivered before the cash will be cleared to your account.
If the seller denies your refund, or simply ignores you, you have the option to open a dispute.