All Amazon payments are cleared by Amazon and all information is held by them. Amazon charges you when we dispatch the order. If you have paid by Amazon and require a refund then we can apply the refund through your Amazon account.
All PayPal payments are cleared by PayPal, PayPal sometimes review or hold transactions. We are not told why this happens and we have to wait until the transaction has been cleared by PayPal. Again with PayPal payments refunds are applied to your PayPal account.
Please note we can only accept PayPal payments from verified PayPal accounts. We cannot accept payments that have unconfirmed addresses. Please visit PayPal's website for details on how to confirm your address or verify your account.