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Refunds can only go to the card or account that paid for the order. We cannot send them anywhere else, which protects you if your details are ever misused.
Most will not. Refunding to a card other than the one charged is a common fraud pattern, so stores send refunds back the way the money came.
It usually still reaches the customer. The bank links the old card to the account and moves the money across; if not, the bank can trace it with the refund reference.
If your policy allows it. Store credit is issued by your team, so write the rule into the procedure and let a teammate decide.
Aide fills in the Shopify order and tracking, then drafts or sends the reply, as you choose.