Hello ianpanyw88
The tickets will alway be refunded on the used payment method. You can’t pay online with a usual banc account (IBAN) for an international ticket - it’s always via credit card.
In this case the refund will be on the used credit card or if you purchased the tickets cash on the SBB counter in switzerland, you’ll get the refund only on the counter.
Compensation for passenger rights is also provided by means of the purchased ticket an the used payment method of this ticket. If a refund is not possible or we need more information, we will contact you as soon you filled out the form.
For further information please contact our SBB Contact Center +41 848 44 66 88 (CHF 0.08/Min.) or from abroad +41 51 225 78 00.
Thank you for your understanding and have a nice day.
Kind regards, VlaznimA.