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My only complaint is when they issue a refund to your credit card it takes them 5-7 days to process the refund. The only reason for this is so Walmart can keep the money in their account for as long as possible. No my little $40 refund amount has no affect by it's self but add up the 100's of thousands of refunds Walmart does and you are talking major money. It's the same transaction to your merchant account for a charge versus a refund, it's simply a different code being sent. And is actually easier since there is no pre-auth check that must be processed. You have no problems processing all charges real time, refunds should be handled the same way. I find it to be a cheap and lowdown way to treat customers who $40 might make a big difference to them. I am disabled and living on a fixed income so I am very much one of those customers that $40 makes a big difference. Please stop holding my money that you owe me.