Instead of handing out cash in person, you can refund it to the owner's bank account.

1. Send the owner the communication template that contains the secure bank-details link.
2. The owner enters the bank details through that link.
3. Export the refund list to your accounting team.
4. After the transfer, delete the bank details manually.

Never state the amount in messages – ask the owner to describe the content instead. Bank details are personal data: remove them as soon as they are no longer needed.