I also want to add to this, for anyone who does not play Subeta that typically payment includes either site currency or USD/etc AND a copy of the item when it's onsite.
Therefore, if the user doesn't submit the item you do not ACTUALLY receive full payment, but for some reason Subeta allows users to wait months, and potentially YEARS to submit an item and finish paying the artist =/
Then on top of that, even though you haven't been PAID IN FULL for some reason they will not allow you to give a refund unless you have it in your ToS?
Which to me does not make sense, since they haven't finished paying you without giving you the copy =/