Payment Cancellation, Refunds, Stopping Payment Request and Refused Payments

Once a Payment has been confirmed and submitted through the Platform, it is processed immediately and cannot be cancelled or amended by the Sender. You acknowledge that, due to the nature of instant peer-to-peer transactions, we are generally unable to reverse or retrieve funds once the Payment has been completed.

Refunds will only be considered under the following circumstances:

-the Payment has not yet been processed or credited to the Recipient’s account.

-there has been a technical or operational error caused by the Platform.

-the Payment is proven to have been sent to an incorrect or invalid Bank Card due to a fault in the Platform.

If a refund is approved, it will be issued to the original funding method, less any non-refundable processing fees, currency exchange losses, or applicable charges.

If you have initiated a Payment Instruction and wish to stop it, you must contact our support team immediately.

We do not guarantee that the request can be cancelled or reversed, especially if the funds have already been accepted or the payment processed.

We may refuse to process a Payment if:

-It violates these Terms and Conditions;

-It appears to be fraudulent, unauthorized, or illegal;

— you do not have sufficient funds or valid authorization;

The Payment Instruction exceeds Platform limits or regulatory thresholds.

If a Payment is refused or fails, we will notify you (typically via email) and may, where possible, return the funds to the original funding source. Any costs incurred due to the failure (e.g. reversal charges, foreign exchange loss) will be your responsibility unless the failure was due to our error.

No Guarantee of Reversal
You acknowledge that we cannot guarantee the reversal of Payment that have already been credited to a Recipient’s Bank Card. All Users are responsible for ensuring the accuracy of Payment details prior to confirmation.