>
> It's the same for both. While the 'Charge' dot in Checkout is gray, 
> the credit card has not been charged and you can cancel. Once 
> it turns green, it has been charged and you have to refund. 
>
>
When I was making the purchase as the user, it explicitly told me that I 
would not have an opportunity to change my mind and refund the purchase.

When I went to my merchant account, 90 seconds later, the charge was 
already fully green meaning it had been fully charged. 

The refund option was greyed out, the only option I had was Cancel and when 
I clicked the cancel button it explicitly said in that window the refund 
amount would be $0.00.

 

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