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A refund on a Connect charge is requested through the usual refund route: there is no dedicated Connect endpoint. What changes is the way the funds are taken back.

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The policy: Yabetoo never advances funds

A vendor’s wallet cannot be debited after the fact. A negative balance would be a permanently unrecoverable receivable.
If the money is not there, the refund fails. Yabetoo does not create debt and does not let any wallet go negative. This is a “no credit” policy, and it is visible in the API: 402 connect.insufficient_funds_for_refund.

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How the funds are taken back

Three tiers, in this order, each capped at its own share:
1

The vendor's pending balance

Funds that have not matured yet are seized first: that is exactly what the availability delay is for.
2

The vendor's available balance

For the remainder of their share.
3

Your balance

Your share of the refund, plus everything the vendor could not cover.
You are the payer of last resort. If the vendor has already been paid out, it is your balance that absorbs the difference. This is the opposite of an allocation reversal, where the shortfall is simply refused.
The claw-back is capped per charge: a charge is never seized for more than it brought in. Without that cap, a refund would dip into the funds of the vendor’s other sales.

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What Yabetoo does not return

The Yabetoo fees (collection and Connect surcharge) are not refundable. They stay earned in either mode.
In controller mode, on a full refund of 10,000: the vendor returns exactly what they received, you return your entire commission even though you had only kept the residue of it. You are therefore negative by your Yabetoo fees on the round trip. This is not an added penalty: it is the direct consequence of having already absorbed them at charge time.

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The refusal: 402

402
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number
What has to be taken from your balance.
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number
What the vendor was able to cover.
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number
What is missing.
The check and the debit happen in a single transaction, with locks held: a concurrent payout cannot slip in between the two.
All or nothing. There is no automatic partial refund: a buyer who asks for 10,000 and receives 4,000 without having chosen it is a worse dispute than the refusal.

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Reacting to a refusal

The refusal is not silent: it emits connect.refund.blocked_insufficient_funds, with the same amounts.
Without this webhook, you would discover the 402 through an unhappy buyer. Subscribe to it from day one.
To top your balance back up, use a deposit: it goes through a Yabetoo validation, so allow for the delay.

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Reducing your exposure

This is the main lever. Pending funds are seizable; funds already paid out are not. A shorter delay transfers the risk onto your own balance.
In manual mode, you decide when to pay. Holding a few extra days on vendors with a high dispute rate mechanically reduces your exposure.
That is the number that tells you whether your delay is badly calibrated.