I purchased a recovery software from one of the merchants (iSunshare) using MyCommerce/Digital River as their payment processor. The merchant specifically advertises a 30-day money back guarantee on their software.
It turned out that the software did not work, and I contacted the merchant for a refund. The merchant initially offered to troubleshoot, which I declined (because by then the issue had to be handled via another product). Then the merchant stopped responding. No refund.
I then contacted MyCommerce to request the refund. MyCommerce in turn sent a message to the merchant. Merchant responded again by offering to troubleshoot and refusing to refund.
Here's the kicker: MyCommerce then sent me a message from a no-reply, unmonitored mailbox, saying "We regret to inform that we must decline the request.".
That's it. Instead of forcing their merchant to honor their clearly-written refund policy, this company actually encourages them to do it. They send out such communications to their customers via no-reply emails which means there is not even a way to respond to their message.
It's a fraudulent business and I'm surprised they still exist in 2022 and apparently processes hundreds of millions of dollars in transactions. They should have been blacklisted by the major credit card networks for this behavior.