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Why does Alipay charge a refund fee when paying with a credit card?

If the payment method used for Taobao shopping is credit card payment, after applying for a refund, there are two situations:

When the order has not been confirmed, after applying for a refund, the procedure The fee will be refunded. A full refund will refund the entire handling fee; a partial refund will refund part of the handling fee.

When the transaction is successful and the refund is successful, because the money is returned to Alipay and not the original way, the credit card processing fee will not be refunded.