diff --git a/packages/taler-wallet-core/src/operations/pay-merchant.ts b/packages/taler-wallet-core/src/operations/pay-merchant.ts
index 0360f7395..cb17f16eb 100644
--- a/packages/taler-wallet-core/src/operations/pay-merchant.ts
+++ b/packages/taler-wallet-core/src/operations/pay-merchant.ts
@@ -2376,7 +2376,11 @@ async function acceptRefunds(
         }
       }
 
-      if (reason === RefundReason.AbortRefund) {
+      if (reason !== RefundReason.AbortRefund) {
+        // For abort-refunds, the refresh group has already been
+        // created before the refund was started.
+        // For other refunds, we need to create it after we know
+        // the amounts.
         const refreshCoinsPubs = Object.values(refreshCoinsMap);
         logger.info(`refreshCoinMap ${j2s(refreshCoinsMap)}`);
         if (refreshCoinsPubs.length > 0) {