For things with mass, both the mass and speed determine kinetic energy and momentum. But, for photons (with no mass and all the same speed), the kinetic energy and mass depend only on the photon’s frequency. Or, yes, even massless particles have kinetic energy and momentum. If that doesn’t help, please restate your question, and I will try again to answer. 
Reflection is the result of a perfectly elastic collision. That is, when both momentum (always conserved) and kinetic energy (not always conserved) are conserved. A photon is reflected by “mirror” charges that develop in the surface as it approaches. The mirror charges are the net effect of freely moving electrons in the collection of atoms that compose the surface.
Refraction is a wave-like behavior and cannot be easily explained with a particle model. Refraction is a result of difference of wave speed in different mediums.