Systems, methods, and computer program products for an On-Line Transaction Processing (OLTP) system. Payment and merchant information is stored in a database record for each product in a set of products from multiple suppliers. In response to receiving a request to refund products in the set, the OLTP system may determine the merchant, a number of payments, and the amount of each payment for each product being refunded based on the payment and merchant information in the database record, and trigger payments between the supplier, seller, and buyer. In response to detecting an error, the OLTP system may store a status of the refund processing in the database record and queue the transaction for processing by a call center. In response to receiving a restart request, the OLTP system may retrieve the status data from the database record and restart processing of the refund based on the status data.