If the order is confirmed, then apply for a refund.

If the payment method you use is installment payment, after applying for a refund, there are two situations:

When the order is not confirmed, the handling fee will be refunded after applying for a refund. Full refund of all handling fees; Part of the refund is part of the handling fee.

When the transaction is successful, the refund is successful, because the money is returned to Alipay instead of the original way, so the credit card handling fee will not be refunded.