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- The SDK returns signed business-failure responses (for example ACQ.SYSTEM_ERROR) with a nil error and empty fields. QueryRefund now checks the response code and returns an error, so the order stays REFUND_PENDING instead of being read as "no refund record" and failed. - A missing refund record is treated as failed only after a 10 minute grace period from when the refund became pending. Alipay notes that a query sent too soon can miss a refund that later succeeds. The pending time comes from the REFUND_PENDING audit entry.