If you select Refund Payments from the Payments menu and the message appears: Your site is not enabled for Refunds.
Refunding thru X-CD is currently only supported for those who are using Authorize.Net or Pay Pal or Moneris as their payment processor.
If you are using a different payment process, you will need to issue refunds outside X-CD and record the refund as a System Credit in X-CD.
If you have any questions, contact X-CD by submitting a support ticket.