As of Dec 29, 2020 this has NOT been resolved - at least NOT with TD Visa. In fact, it gets crazier. I received a refund for incorrect Aliexpress merchandise and the refund transaction via Paypal was also treated as a cash advance which is nuts. In this case, there is no authorization process - simply a refund transaction initiated by Aliexpress. Money is being credited to my account - yet I am being charged a fee! Madness! TD have reversed the fee plus interest - but it is time-consuming and extremely frustrating to have to deal with this nonsense. Avoid Paypal and Aliexpress.
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