Standard platforms that create payments using destination payments prevent merchants from what?

The correct answer indicates that standard platforms utilizing destination payments prevent merchants from issuing refunds from their dashboards. This is important to understand in the context of how destination payments work. In a destination payment setup, the payment is processed on behalf of multiple merchants, and typically, the platform that facilitates the transactions holds the authority to manage refunds. Consequently, merchants do not have direct control over processing refunds, which must be handled through the standard platform's interface instead of their individual dashboards.

This structure helps protect the payment ecosystem by ensuring that the platform maintains the necessary oversight and security, minimizing the risk of potential fraud or unauthorized refund requests. It also streamlines the process in which refunds are issued, ensuring they meet the standards and policies established by the platform.

Other options revolve around functionalities that merchants generally retain, such as managing transactions through their external websites, viewing reports on customer behavior, or redirecting customer inquiries, which are typically not restricted in the same way as refunds. Hence, the correct choice highlights a specific limitation that platforms have put in place to protect both themselves and the merchants they serve.