The phrase "refusal to pay" can be replaced with various synonyms depending on the context. It may be described as non-payment, non-reimbursement, decline to pay, repudiation, or withholding of payment. Non-payment refers to the act of not paying what is owed by an individual or organization, while non-reimbursement refers to the refusal to cover expenses that are supposed to be reimbursed. Decline to pay and repudiation both suggest a formal and intentional refusal to pay for something. Withholding of payment, on the other hand, may imply a temporary suspension of payment until certain conditions are met. Regardless of the synonym used, all refer to the act of failing or refusing to provide payment for something.