A transfer marketplace by refund product disbursement orders

Has anyone used the refund gateway [technical] verification to make a marketplace? Just from reading the documentation, the price can be lowered during the refund. I am about to attempt to (1) charge the sender then (2) charge and refund the recipient with a dummy amount then refund the full total (charge a dummy amount then refund the full total). If this does work, I won’t ask how long would the transaction take and make some crontab job or use my database to track receivables to charge/refund upon opening (2).