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changing payment from receiving a service/product to personal and fees

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Someone paid me as if i sold a product instead of it being personal. There are fees taken out. If I don't accept the money within 30 days, I believe the money gets returned to the person. Will the entire amount be returned, including the fee amount? Or will the fee be taken from my account? It looks like if i accept the money and then refund, the fees get taken from me then. Or is there still a fee taken out, if payment is not accepted and the person cancels their unclaimed payment?

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