Staff-side penalty choice when cancelling a reservation. Drives both the refund and the penalty:

• applyPolicy: honor the configured cancellation policy (default). The

refund and any penalty come from the policy / the refund override.

• none: waive the penalty — refund in full and forfeit no credits.
• custom: refund in full, then withhold an exact flat charge given by

penaltyAmountCents. For card / gift-card bookings the charge is taken from the refund; credit-only bookings can't be charged cash yet, so the recorded penalty is capped at the refundable amount.