applePay refund

Hello,

I purchased an item using ApplePay. I then returned the item. I can see the refund "sitting" in Apple Pay account, but it will not go through to the appropriate credit card. I have spoken at length, multiple times to the merchant as well as the bank for the credit card. Both agree that it's apple's problem and say they can't help me. I have reported problem to apple, but never get a response. It's about $300 I'm waiting on -- would really like to figure out how to get my refund back!

Thanks!