Mint is also a prepaid way that you will get a pin code to use on pgc site. So where exactly was the issue with mint. If the issue was on giving your information, i believe it's for security reasons as like when you buy something online with your bank account that you give pretty much all the card details (number, owner name, cvv number, expire date) but giving these infos on not is up to you obviously. Since you cancel the payment, the money will be send back. Technically they haven't been sent till they get verify, it's just that amount of money is bonding till verify or cancel. Cancelling will take few days probably to be shown. Usually max 3 days (weekends excluded). It's same as when it's getting successful payment. On your bank account it will show the total balance and the balance you are able to use since the rest is bonding till the verify from the bank system.