Refund process:
The user initiates a refund from the merchant.
Merchant refunds.
Hyperbeat receives the merchant's refund.
Hyperbeat refunds the user.
The user receives the refund.
Refund process:
The user initiates a refund from the merchant.
Merchant refunds.
Hyperbeat receives the merchant's refund.
Hyperbeat refunds the user.
The user receives the refund.