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From the Battle.net balance FAQ https://us.battle.net/support/en/article/battle-net-balance-faq#q2
How long will it take for my recently purchased funds to appear on my account?
Your bank will take the money from your account and hold it, but they DON'T immediately give it to Blizzard. There is some back and forth between your financial institution and Blizzard's. Eventually, the funds will be transferred over. If Blizzard declines the transaction, then the funds will be released back to you by your bank within a few days.
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