Here's the setting: your customer wants his money back. You scroll through the customer list, find the one to return the money to and select the transaction to be refunded. Now you press the Refund button to make it happen, but here's an approval workflow baked in to this process. Therefore, instead of just sending the charged amount back to the customer's account, pressing of the Refund button creates a task yet to be approved. You will be presented with a message informing you of the fact, and once you give your consent to the approval requirement, there's a task in the approval tasks queue.