I am new to Merchant Services. Sometimes it's necessary to refund a customer due to product unavailability after the customer has paid with a credit card. Example, customer paid 3000.00 and Quickbooks took 90.00 out for the fee, so I received 2910.00. Now I have to give the customer back his 3000.00 and in doing so, the 90.00 fee I paid does not get refunded to me, so I'm out 90.00 due to no fault of mine. Is this correct?

With PayPal, I leave the money in my account until product is delivered and if I have to do a refund, my customer gets 100% of his money back including the fee and I have no cost for the transaction. 

Please help.