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An important update on Concord - Being taken offline September 6th, refunds to be issued
(blog.playstation.com)
this post was submitted on 03 Sep 2024
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Your card is charged instantly, but it can take a week or two before it's cleared the fed's anti-fraud measures and they're assured you're not reversing it through your bank. Then they send the refund and it can take another week or two before your bank clears it and makes sure that they're not reversing their payment. Add in some wiggle room to cover yourself in case something gets flagged as potentially fraudulent and someone has to manually review it, and it can take a while.
In practice, refunds should arrive this week, but they want to be careful not to promise that in every case. What they're mainly worried about is people buying the game, immediately refunding it, and simultaneously doing a chargeback while in some faraway country.