You can only request for refund except the seller did not make shipment on time due to some reasons. Until when the seller refunded, that is when you can used the payment to place another order. Or you request for cash into your bank account, 0.5 will be removed from the actual exchange rate that you paid. (if the rate you paid is 65ngn, so if you request for cash into your bank account instead it will be calculated 64.5ngn)