If the payment method used by the buyer is installment payment, after applying for a refund, there are two situations: when the order has not been confirmed, and after applying for a refund, the handling 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.

About the collection of credit card handling fees:

If the seller activates the "credit card payment" service, the seller needs to pay the relevant handling fees, which will be included in the money received from the seller after the transaction is successful. Deducted automatically, no need for buyer to bear payment.

If the seller does not activate the "credit card payment" service, the buyer will need to pay relevant handling fees, which will be directly added to the order transaction price.

So when purchasing, buyers can try to choose merchants that accept credit card payments for consumption.