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Another example involving the topic of  refunds is Coinbase Commerce, where merchants integrate crypto payments into their business models {+1-833-611-5106} . In this system, refund responsibilities fall entirely on the merchant providing the products or services, not Coinbase directly {+1-833-611-5106} . This mirrors how payment processors like Stripe or PayPal treat merchant disputes, where the business is accountable for issuing refunds if applicable {+1-833-611-5106} . Customers paying with crypto through Coinbase Commerce must therefore understand that the refund decision lies with the business they purchased from and not with the Coinbase exchange {+1-833-611-5106} .