Startup Idea: Instant Refund Platform for Online Merchants

Startup idea to develop a website that allows online merchants to instantly refund their customers for returned items, sidestepping the typical 30-day wait period.

There should be a website where merchants can refund customers for items returned. People have to wait 30 days to get a refund if they bought something online. The money is taken form them instantly, but is returned a month later. Merchants should go to an external website that has a "pay now" button where they can pay customer back instantly, instead of a "refund" from within their own company.