This is just a hypothetical question (I am new to selling) if a buyer wanted a refund (for whatever reason) and I agree, can we settle this privately or do we have to open a dispute?

ie: I can just refund the money no 3rd party involvment?

Also when refunding (assuming they paid through paypal) would I just refund in the "issue refund" section in paypal where their payment is listed?

I don't care how it's done really, I am just wondering what the actual and correct process is .

Thanks:-)