Refund timeframe unacceptable

I purchased a couch and within a few days requested a refund to ensure that no delivery would take place and Cielo would be advised in a timely manner that they could reverse the transaction. The refund was processed on 17 December 2024 with an advised timeframe to complete of 7-10 business days. Even after the period has lapsed, I have still not received my refund and am now told that there is a different process to refund to Payflex. The new time frame is 21 days which is unacceptable, especially once being told it would be done within 10 business days at the beginning. I was under the impression that Cielo was a company with flowing controls and processes however this has changed my mind and will not be purchasing the upgrade I planned to because of this. Truly disappointing