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Void should be used when a card transaction has been authorized but not settled. This means that the transaction has not been processed and the funds have not been transferred. On the other hand, a refund should be used when a transaction has already been settled and the funds have been transferred. Remember that voiding a transaction cancels it before it is processed, while refunding a transaction reverses it after it has been processed. It is important to understand the difference and use the correct option based on the stage of the transaction.