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Send Money Charges with Merchant Account

Send Money Charges with Merchant Account

An item I shipped arrived broken and I need to refund her $5 Canadian. The refund section says I can't do that for 190 days or something so I'm trying to just simply "send money"... However I have a balance of $4.23 CAD so it also selects my credit card - but under it that says Fee: $3.41...

 

Am I being charged $4.23 plus $3.41 ($7.64) for a $5 refund? 

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