The word "refund" implies returning money that was previously paid or given. Antonyms for this word can include "charge," "collect," "retain," or "withhold." When a business charges a customer for a product or service, they are not providing a refund. Similarly, a creditor may collect a debt without offering a refund. Some companies may retain certain payments as a deposit or prepayment for services rendered, rather than issuing a refund. In certain legal or financial situations, a party may withhold funds until certain conditions are met or disputes are resolved, rather than providing a refund. These actions are all antonyms to the action of giving a refund.