1. If you do a 'Full Refund' there are two conditions, as follows:
a. Full refund but has already paid the bill, for example: You have started paying bills in the first 2 months and then in the 3rd month do a 'full refund', then the funds will be fully refunded according to the initial transaction but the service fee that has been paid in the first 2 months will not be refunded.
b. Full refund but haven't started paying the bill yet, for example: You just made a transaction at store A, then the next day you immediately make a refund, then the funds will be fully refunded and you don't need to pay a service fee at all.
2. If you do a 'Partial Refund', then you must still pay the service fee for the remaining bill that is not refunded.