THE REFUND NOBODY WARNS YOU ABOUT A Working Manual for Gumroad, Etsy, Payhip, Lemon Squeezy, PayPal and Stripe Sellers · 2026 Edition · 52 pages Every marketplace you sell digital products on is quietly built to favour the buyer in a dispute. That is not a conspiracy — it is how the card networks, the payment processors and the platforms all manage their own risk. But one careless refund policy, or one slow reply to a dispute notice, can get your account throttled, your payout frozen, or your store suspended with almost no warning. This is not a narrative book. It is a reference manual, built the way you'd want a compliance file built: platform-by-platform profiles, decision trees for exactly what to do when something has already gone wrong, and a pre-flight checklist you run before it happens to you. Every fact inside is sourced to the platform's own policy page, dated 2026 — not repeated from another guide. Where a number is not publicly documented, the text says so plainly instead of guessing.