The cardholder made transactions via the merchant website amount 4 transaction in the amount of USD 59.98 (THB 1,924.30) and USD 49.99 (THB 1,603.81) and USD 45.94 (THB1,473.80) and USD 19.98 (THB 641.01) . The merchant sent a confirmation that the sales were processed; however, the cardholder did not receive the coins. The merchant must refund the card holder for the changes that they did not provide the goods to the cardholder.