预付卡退费纠纷的全部争点，就是一道除法的分母：已消费的次数，按**你实际付的均价**算，还是按**门市原价**算。 六千八买五十次送十次，实际单价一百一十三；用了十二次要退卡，商家说「优惠是针对整包的，退卡就按标准价两百结算」——同一件事，一个算出应退五千四，一个算出应退四千四。**如果原价再高一点，或者你用得再多一点，这个数会直接变成负的**：你付了钱、消费了一部分服务，账面上反而倒欠对方。 这个工具把三种口径同时算出来：均价摊薄（赠课计入）、只摊到付费课时、以及商家常用的原价倒扣，并把**差额**摆在明面上——那个差额就是你们真正在争的东西。 然后是最重要的一句：**去翻合同里关于退费的那一条**。商家的算法在合同里写清楚了，争议点就转向该条款本身；只字未提，那对方是在用一份合同里没有的规则。找到那一条并拍照，是这件事里性价比最高的十分钟。 至于「预付卡七天无理由退」这类流传很广的说法，**这里一个法条数字都不给**：单用途预付卡在各地规定不同、适用范围各异，拿错了反被对方挡回来。工具给的是该打哪个电话问哪一句。$3 解锁协商话术、书面退费函、投诉材料与升级路径。Every prepaid-card refund dispute comes down to one denominator: are the sessions you've used priced at **what you actually paid per session**, or at the **list price**? Pay 6,800 for fifty sessions plus ten free and your real rate is 113. Use twelve and ask to cancel, and the merchant says the discount applied to the package, so used sessions settle at the 200 list price. Same facts, two answers — and **with a higher list price or a few more sessions used, the result goes negative**: you paid, you consumed part of the service, and on paper you now owe them money. This computes all three bases — blended rate including bonus sessions, blended over paid sessions only, and the merchant's list-price clawback — and puts **the difference** in front of you. That difference is the actual subject of the dispute. Then the one thing that matters most: **find the refund clause in your contract**. If their method is written there, the argument moves to that clause; if it says nothing, they are applying a rule that isn't in the agreement. Finding and photographing it is the highest-value ten minutes available to you. As for widely repeated claims about statutory cooling-off periods, **no legal figures are given here**: rules for single-purpose prepaid cards vary by locality and scope, and citing the wrong one gets you dismissed. What you get is which number to call and what to ask. $3 unlocks negotiation scripts, a written refund demand, complaint materials and the escalation path.
书面退费函（把三种口径的算式写进去，对方无法含糊回应）、当面与电话协商话术（对方五种常见说法逐条对应）、投诉材料清单与升级路径（先谈、再书面、再投诉、再小额诉讼），以及商家疑似要跑路时的应急顺序。A written refund demand containing the arithmetic (so it can't be answered vaguely), scripts for the five things merchants typically say, a complaint checklist and escalation path — talk, then write, then complain, then small claims — and an emergency ordering for when the business looks like it's about to close.
本工具只做算术，**不提供法律意见，也不判断谁对谁错**。三种口径都是计算方式，哪一种适用取决于你签的合同条款与你所在地的规定——单用途预付卡在各地有不同的地方性法规，请以合同原件和当地市场监管部门（12315）的答复为准，本工具刻意不引用任何法条或期限数字。手续费是否可扣、比例是否合理、格式条款是否有效，均需个案判断。若商家已停业、失联或涉嫌卷款，请尽快向当地市场监管部门与公安机关反映，并保留合同、付款凭证与消费记录。你填写的内容不入库。This does arithmetic only. **It is not legal advice and does not decide who is right.** All three bases are calculation methods; which applies depends on your contract and local rules, which differ by jurisdiction for single-purpose prepaid cards. Rely on the signed contract and your local consumer-protection authority; no statutes or time limits are cited here, deliberately. Whether a fee may be deducted, whether its rate is reasonable, and whether a standard-form clause is enforceable are case-specific questions. If the business has closed or vanished, report promptly to the local market-regulation authority and police, and keep the contract, payment records and usage history. Nothing you enter is stored.