Feature: Merchant refund
- Merchant receives discount transaction refund
- Citizen makes 4 transactions, then only 3 are confirmed
- Citizen makes 1 transaction, then the transaction is confirmed
- Citizen makes 2 transactions, then only 1 is confirmed
- Citizen makes 3 transactions, then only 2 are confirmed
- Citizen makes 3 transactions, then all 3 are confirmed
- Citizen makes 4 transactions, then only 1 is confirmed
- Merchant receives max refund for discounted transaction exceeding the citizen's budget
- After 10 transactions of amount 1500 cents each, the amount of rewards is equal to payment order
- Merchant receives discount transaction refund for 1 cents transaction
- Merchant do not receives refund if the institution payment fails