PayPal Pay in 3 - refund question

Has anyone used PayPal's pay in 3 option and then had to do a refund on it?  If so, how does it play out? Does the DD get cancelled and a refund on paid amount is applied? Same I guess for Klarna

Looking to buy a phone and paying by this method but would want to return it if not to my liking.

Is it too much hassle to do this way?

Thanks 

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