Lists available refund modes, such as UPI, providing details like display name, logo, and ID for each mode.

To be deprecated: Get beneficiaries associated with the user for processing refunds, based on the provided order ID.

To be deprecated: Get beneficiary details like bank name, ifsc code, branch name associated with a specific order for refund processing.

Returns UPI and Bank refund beneficiaries for a user; supports optional `filterBy` (enum: `order`, `shipment`)—when provided, only beneficiaries linked to the specified `order_id` or `shipment_id` are returned.