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Did you know that the yoko system can't do refunds for ANY debit or cheque cards! ONLY if your clients pay with a credit card you can do a refund! Also, yoko take commission on the transaction but if it is refunded they do not give you the commission money back! They also tell you they will call you back and they never do and if you ask them why did they not phone back their awnser is: they are busy!