Refund by Merchant - When an agreement on the refund is reached, the merchant will initiate the process, and you will receive the agreed payment amount. Which is transferred in crypto and corresponds to the agreed amount in fiat, converted using the exchange rate fixed when you provide the refund address.

Refund by xMoney - Refunds can be withheld if the amount is too low. xMoney has a set of defined limits per currency and network under which refunds are deemed not doable (refer to Payment Currency configurations).