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Ok. Just charge your time.
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Anyone here work for or heard of Crexi?
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What problem are you solving? How do you make money? If it's taking a % of the return, why does a business want another intermediary involved besides their cc processor? If it's a cash or debit purchase the money is back to them immediately. If credit there may be a little lag but that would only free up money if the persons credit limit is maxed. If an item is exchanged, they'd receive a credit based off previous purchase, so this wouldn't free money up for them to buy other things as they'd already have that ability. It would just give the consumer a way to get money back on a credit card a day early and shop somewhere else while I end up paying somewhere else for their benefit.