# Phase 08 — Refunds are demo-only, and off by 100×

**Blocker:** blockers.md § "Payments" (refunds).
**Depends on:** nothing.

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**Root cause — the mock.** `client/src/services/refunds/constants.ts:18` — `USE_REFUNDS_MOCK = true`. The
real server side (`RefundsController.cs`, `CreateRefundCommand`, `GetCancellationPolicyPreviewQuery`) is live
and correct; the client just never calls it for anything but the bare status read.

**Root cause — the ×100 bug, exact.** The server's `refundPercentageApplied`/`feePercentage` are **0–100**
values (`GetCancellationPolicyPreviewQuery.Handler.cs:74`: `100m - policy.RefundPercentage`). The client's
own type comment claims **0–1** (`refunds/types.ts:110-112`) — true of the *mock* (`MOCK_POLICY_TIERS`,
`refunds/constants.ts:45-52`, uses `1 | 0.5 | 0`) but not the real server. The render function
(`CancellationPolicyDisclosure.tsx:19-21,36-37`) does `Math.round(fraction * 100)` — correct by luck against
the mock's 0–1 scale, but against the real server's `100.00` it produces **"10000%"**.

Important nuance: the actual IRR amounts shown are server-supplied strings passed straight through — **not**
multiplied by 100 themselves. It's specifically the percent-chip labels that are 100× too large.

## The fix

1. Flip `USE_REFUNDS_MOCK` to `false` — the real endpoints are live and correct.
2. Fix the scale mismatch at the contract level, not just the one render site: type
   `CancellationPolicyPreview.refundPercentageApplied`/`feePercentage` as 0–100 (matching the real server),
   fix `CancellationPolicyDisclosure.tsx`'s `toPercent` to stop re-multiplying an already-0–100 value, and fix
   the mock (`mockApi.ts:127-128`, `MOCK_POLICY_TIERS`) to also emit 0–100 so mock and real can never
   silently disagree on scale again. Check `refunds/types.ts:167,201` for other render sites reusing the same
   field before considering this fully closed.
3. Same cross-mock-import problem as BNPL (phase 05): `refunds/apis/mockApi.ts:3` imports directly from the
   (real) `bookings` mock store — moot once step 1 lands.
