The value of any refund is determined by merchant you bought the item from. So please check their returns policy for more details on how refunds are processed.
If you return your full order your future repayments will be cancelled, and any money owed returned to the card you paid with.
If you return only part of your order the value of these items will come off your remaining payments.
If the value of your returned items is more than your remaining payments then the balance owed will be refunded to the card you paid with.
The delivery, quality, and return of any goods and services you purchase is always the responsibility of the merchant and the service providers you buy from.
As soon as the merchant approves your returned items Openpay will adjust your repayments immediately.
Any dispute of the value you have been refunded must be taken up with the merchant involved.