Steam only requires the Steam Wallet for microtransactions. Games and DLC are usually bought "directly". Refunds go to the original payment method, unless you explicitly request that it should go to the wallet.
> with the singular exception of Apple who does not compel all purchases through an intermediate currency balance.
> with the singular exception of Apple who does not compel all purchases through an intermediate currency balance.
Google Play doesn't have one either, FWIW.