Complete guess here, but refunds are probably handled differently by the banks compared to new payments, i.e. undoing an error is probably free(ish), but paying people is how they get you
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They don’t seem to have an issue sending $10 refunds to my bank account, I wonder how much it actually costs them
The bigger cost is probably the processing time, limiting to $100 probably drops the number of payments by 80%.
Complete guess here, but refunds are probably handled differently by the banks compared to new payments, i.e. undoing an error is probably free(ish), but paying people is how they get you
Especially when they’re making bank charging 30%.