Hi Don,
Yep, everyone's covered this pretty well, but it isn't an automated process to refund as it is PayPal, completely different structure.
It's pretty much a straight up credit card transaction that is processed through a banking entity when using Paymate, so as Grace and Joe have said, you do have to go through customer support to refund, but it's painless.
They do provide a very solid customer service platform, at least to my experience anyway. : )