Frankly, if you don&#x27;t want to put yourself out of business, you don&#x27;t refund your client in situations where the client cannot reasonably argue they didn&#x27;t expect the listing to be fraudulent, especially not assuming the money isn&#x27;t sitting in an account at the other end waiting to be transferred back. You probably don&#x27;t want your disputes department providing an adequately detailed explanation of the reasons they reached a particular decision either.