Kumir gift cardsWallet
iOS unfulfilled credit is the same wallet
App Store unfulfilled orders become Kumir credit on the same balance as gift cards.
Unfulfilled iOS Kumirs become Kumir credit because App Store billing usually cannot refund the card. That credit is the same USD wallet as gift cards and top-ups.
Web and Android still refund the original payment method. Read /refunds for SLA windows.