Separate the resolution from the transaction.
The original transaction doesn't need to change for an AI company to make things right. TodayPay lets you define the resolution, apply your own policies, and deliver it programmatically.
TodayPay gives AI companies an API to reimburse customers independently of the merchant's original refund process.
The merchant transaction stays exactly as it is.

Who should receive money?

How much should they receive?

Why should they receive it?

Does it require approval?

What protection policy applies?