If I want to shop for something online, I'll go to a website like Amazon.

If I want to transfer money online, I'll go to a website like PayPal.

I don't like the monopolizing those companies are doing, but they're at least more transparent than doing it through a chat app. Can you even do returns for chat app purchases? I did a return with Amazon the other day and they just credited my account. They didn't even ask for the book (I accidentally bought 2 copies) back.