Our system typically processes your payment as paid via PayPal eCheck.

According to PayPal:

"An eCheck is an electronic funds transfer from your bank account to another customer’s PayPal account. It is used to fund a payment that is sent from your PayPal account. It's like writing a check, but you send it electronically. It usually takes up to seven business days for an eCheck to clear (but in some cases, it may take longer) and the money to appear in the recipient’s PayPal account."

Therefore, until the PayPal eCheck has cleared, credits will not be added to your Ashley Madison account.