Is it possible to switch over between Web payment and native payment for a service being used in production?

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• What applications are required to connect to the production environment?
• Is PayPay for Business available under the test environment?
• Is it possible to change the redirection destination after a payment operation for each device?
• I would like to make a refund from PayPay for Business, what should I do?
• What are the consequences if the user's balance reaches the limit due to the refund process?