"If you intend to try again with a fixed model, the credit voucher saves you the transaction fee...."
and exactly here starts the problem - SW never tells you WHY your model was rejected (only these childisch messages like ... ohhh, we are soooo sorry that your sweet lovely model did not surpass our grim test procedures ...)
Thus you are stuck in the dark - can redo the model by just guess & gut feel, re-enter the model, just to see, that it is rejected one more time ...
This might work for hobby users, but not for business.
And, back to the credits, you also have to manually deduct them in your order procedure.
Bottom line: I think it is either unprofessional or by sin will, that credits and their refund are encumbered this way.
Most likely the users will utilize PAYPAL, not SEPA, thus the transaction time saving argument does not count - it´s just a mouse click...
There is no solid reason in doing it, like Amazon, Ebay and million other online businesses do it - in a professional way....