In the case of online ordering of intangible products, and if the payment has been validated by the SystemPay payment service; any training that has begun will be due, and the refund (whatever its form) will therefore not be possible.
In the case of online ordering of tangible products, and if the payment has been validated by the SystemPay payment service; any withdrawal request must be submitted within 5 working days. If the product has already been shipped by the logistics service, then the refund (whatever its form) will not be possible.