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