The retailer/merchant I purchased from is refusing to refund me. Can you help?

Unfortunately not. 

Refund queries are approved and handled by the rmerchant or retailer you purchased from and Splitit has no authority to approve a refund on their behalf. 

If there’s a problem with an item or service you bought and the merchant or retailer is refusing to refund you, please speak to your credit card provider and see if they can help.  

Payments on your plan will continue until the merchant or retailer advises us otherwise.