Affirm: For any purchases using Affirm, when a refund is initiated, Affirm will pause the client’s payment plan and the client will be refunded any payments already made, less any interest paid.

Klarna: For any purchases using Klarna, when a refund is initiated, Klarna cancels any remaining payments and returns the already paid amount to the client. If the refund is greater than the remaining balance of the order, Klarna deducts the refund amount from the outstanding balance and returns the difference. If the refund is less than the remaining balance of the order, Klarna deducts the amount from the outstanding balance and spreads refunds evenly across the remaining payments.