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I don't understand you EukerVoorn, what are you after?
You obviously has discovered something you see as a problem, and are screaming for help, and when I reach out to you, you don't want help?
Yes, we do merchant refunds, to protect you from costly chargebacks, all IPSP's are doing this to hold the overall portfolio below 1% CB. That is why we have the billing support.
It seems that you should get your own merchant account, and own support staff and do this yourself to get it your way.
Now again, I am offering you help, I don't know your history with the support department, I don't even know which client you are. If you don't want this, I really don't know what you are after...
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