I would never advise using refillable cartridges as they cause more mess than they are worth. Just buy compatibles which are already refilled for the Epson's are fine for this printer as long as you replace the whole set. Compared to the originals they are better value.
You may need to do a reset to get them working first but like most Epson's they work fine.
When printing on Epson make sure you use the printer settings for different types of printing, if makes a big difference to text, graphics or if your printing photos.
If you need to use the genuine ones that's fine but could end up being costly.
There are compatibles available for the XP 432.