In the case of a product return and refund to a customer who has previously paid with a payment card, either partially or in full, regardless of the reason for the return, “Dijana Marković pr Center for Education and Language Learning World of Orient Belgrade” is obligated to process the refund exclusively through VISA, EC/MC, Maestro, Amex, and Dina payment methods. This means that the bank, upon the seller’s request, will perform the refund to the cardholder’s account.