Xoom Help Center
When will I get my refund?
If you cancelled your transaction within 30 minutes of authorizing your transaction:
Xoom will refund you within 3 business days of your cancel request if your transaction has not already been picked up, deposited or delivered to your recipient.
If you cancelled your transaction 30 or more minutes since after you authorized your transaction:
Refund completion time will vary depending on the payment source you used to fund your transaction.
Transactions placed using a credit/debit card are typically refunded within 3 business days. If you funded your transaction using an E-Check (funded by a US bank account) it may be 5-10 business days before the refund settles into your account.