My Payment Vault review: Unjustified and excessively long refund processing time at MypaymentVault.com

I have a prepaid credit card managed by MypaymentVault that will expire on Monday coming, Aug 31/26.

Since Aug 25/26 I was told repeatedly by eBay Canada that they had credited a full refund to this expiring soon prepaid credit card that has so many user unfriendly features such as having an expiry date, incapable of fund loading, fund cannot be transferred to another similar prepaid credit card within or beyond MypaymentVault system, and so on.

I do not understand & see no justification why in today's near 100% all high tech, auto this and electronic that business environment that it is TAKING DAYS FOR A SIMPLE & STRAIGHT-FORWARD REFUND THAT I STILL NOT RECEIVE !

I FEEL THAT MYPAYMENTVAULT AND EBAY CANADA BOTH JUST WANTED TO TAKE MY NOT COMING AT ALL REFUND MONEY FOR NOTHING BY IGNORING MY STOP CANCEL REQUESTS AT EBAY CANADA & THE SELLER CONCERNED THEN DRAGGING AND NOT GIVING ME BACK MY FULL REFUND WITHIN A FAIR AND REASONABLE TIME FRAME SINCE AUG 25/26 !