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On the New Generation versions of Grand Theft Auto Online, you can pay GTA$100.000 for editing your character appearance from the interaction menu.

What happens if I go back to the game without doing any changes? Is my money refunded?

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TL;DR: The money is taken after you make the character changes. If you don't make any changes, no money will be charged.

So, I picked up the "Change Appearance" option from the interaction to see what would happen:

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That threw me into the character editor:

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On that screen, I just pressed circle to go back into the game and it told me that no charge was made:

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After confirming that, the game sent me into the Single Player mode. After going back to GTA Online, I checked if my GTA$100.000 were still there and they were:

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