Refunds sound simple in theory: you return an item, your money comes back, and everyone moves on. In real life, the payment method you choose can quietly decide whether that refund is smooth, stressful, or downright impossible. Some forms of payment offer built-in consumer protections, while others leave you with little more than crossed fingers and a receipt.
Knowing the difference can save you money, time, and a whole lot of frustration. Here are seven common payment methods that can make getting your money back much harder than you might expect.
