At Zizapay, we strive to make sending and receiving money as smooth and transparent as possible. However, we understand that sometimes things may not go as planned.
This Refund & Cancellation Policy explains how refunds, reversals, and cancellations are handled when using our services.

1. Understanding Your Transactions
Every time you make a payment or transfer through Zizapay, we’ll show you:

• The exact amount to send and receive
• The exchange rate and fees
• The estimated delivery time

Once you confirm a transaction, it is considered final and authorized. However, certain conditions may allow for refunds or cancellations (explained below).

2. When You Can Request a Refund
You may be eligible for a refund if:

• Your transfer has not yet been paid out or delivered to the recipient.
• Your transaction was canceled before processing due to incorrect details.
• Your payment was deducted, but was not successfully completed due to a system error or network issue.
• We are legally required to refund you after an investigation or regulatory directive.

Refunds will be credited to your original funding source (bank, card, or wallet balance) within 5–10 business days, depending on your payment provider.

3. When Refunds Are Not Possible
Unfortunately, we cannot process refunds if:

• The funds have already been claimed or deposited by the recipient.
• The transaction was completed correctly based on the information you provided.
• The request is made after the refund period has expired (typically 30 days).
• We suspect the request involves fraud or misuse of our platform.

We advise double-checking your recipient’s details (name, bank, account number, country) before confirming any transfer.

4. Canceling a Transfer
You can request cancellation only before the transaction status shows “Processing” or “Completed.”
Once funds have been delivered, cancellation is no longer possible.
If you cancel a transfer before it’s processed, we’ll refund you in full, minus any unavoidable bank or card processing fees.

5. Failed Transactions or Delays
If a transaction fails due to:

• Bank or network issues,
• Incorrect recipient details, or
• Regulatory holds or review,

We’ll either:

• Retry the transfer once the issue is resolved, or
• Refund the full amount to your funding source.

6. Disputes and Chargebacks

If you believe a transfer was unauthorized or fraudulent, contact us immediately at support@zizapay.com.
We’ll review your case and, if applicable, work with your payment provider to resolve it.
Unauthorized disputes (“chargebacks”) made through your bank or card issuer may delay resolution. We encourage contacting us first for faster support.

7. How to Request a Refund
Send a refund or cancellation request to:
📧 support@zizapay.com
Include:

• Your transaction reference number
• Date and amount of transaction
• Reason for refund or cancellation

Our support team will respond within 48 hours.

8. Regulatory Note
Refunds and reversals are subject to the laws and financial regulations of the United States, United Kingdom, Canada, and Nigeria — depending on where the transfer originated or was received.

9. Updates to This Policy
We may update this Refund & Cancellation Policy occasionally to align with new laws or improvements in our service.
The latest version will always be available at www.zizapay.com.

Quick Summary

• Refunds are possible only if the money hasn’t reached the recipient.
• All refunds are processed to the original payment method.
• Contact support@zizapay.com for any issues — we’re here to help.