# Ink no-stock: ask POP → offer late stock → refund if client moved on (IA)

**Lesson (b103 Invoice 15494828 / GH4412-CALLUM-3):**
1. Refund without amount/how-paid stalls — ask owning rep for POP/ref first.
2. If stock arrives later, offer once; if client already sourced elsewhere, refund promptly.
3. Ephraim may re-ack refund after human already paid — human refund is SoT; ignore AI "3-5 days" after done.
4. Never put beneficiary account numbers in export twins.