I've never used a BNPL service, partly because I didn't know if it would complicate the process of returns. Does anyone know if there are complications, for exa

I've never used a BNPL service, partly because I didn't know if it would complicate the process of returns. Does anyone know if there are complications, for example, if you buy two items and return one of them? Does the merchant give you cash that you then end up using to pay off the full BNPL amount? Or does the refund get routed the other way, to the BNPL service, and then eventually to you? For users of a reward card, this alternative probably isn't that useful. I'd miss out on 2% cash back, and the zero-interest period is only 6 weeks, which is just a couple weeks longer than the zero-interest period on a credit card (which bills you once a month, effectively giving you 0-4 weeks of zero-interest). I can see how it could be good for younger folks who need to build up credit and can use this to do so responsibly.