Refund Based Tax Settlement Financial Products are financial products that allow taxpayers to receive a refund of taxes they have already paid. These products are typically offered by banks, credit unions, and other financial institutions. They are designed to help taxpayers who have overpaid their taxes and are unable to receive a refund from the IRS. The products allow taxpayers to receive a lump sum payment or a series of payments over time. The payments are typically based on the amount of taxes the taxpayer has already paid.