Don't know about refunds, but for the rest Apple Pay (available via web) is literally click button, scan finger (on your nearby iPhone if you're on desktop and

Don't know about refunds, but for the rest Apple Pay (available via web) is literally click button, scan finger (on your nearby iPhone if you're on desktop and not using a tbMBP), done. I guess you can use credit card chargebacks, but beyond that refunds are hard to solve without making abuse possible.