Refund & Cancellation Policy

Last updated: 10/01/2025

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 will clearly display:

• The exact amount to send and receive
• Applicable exchange rates and fees
• Estimated delivery time

Once you confirm a transaction, it is considered final and authorized. However, certain conditions may allow for refunds or cancellations as outlined 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
• The transaction was canceled before processing due to incorrect details
• Your payment was deducted but not completed due to a system or network error
• A refund is required following a regulatory directive or investigation

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

3. When Refunds Are Not Possible

Refunds cannot be processed if:

• Funds have already been claimed or deposited by the recipient
• The transaction was completed correctly using the information you provided
• The request is made after the allowed refund period (typically 30 days)
• There is suspicion of fraud or misuse of the platform

We strongly advise double-checking all recipient details before confirming a transfer.

4. Canceling a Transfer

You may request cancellation only before the transaction status shows “Processing” or “Completed.” Once funds are delivered, cancellation is no longer possible.

If canceled before processing, you will receive a full refund 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
• Regulatory review or compliance holds

We will either:

• Retry the transaction once the issue is resolved
• Refund the full amount to your funding source

6. Disputes and Chargebacks

If you believe a transaction was unauthorized or fraudulent, contact us immediately at support@zizapay.com. We will review your case and work with your payment provider where necessary.

Unauthorized chargebacks through your bank or card provider may delay resolution. We recommend contacting Zizapay first for faster support.

7. How to Request a Refund

To request a refund or cancellation, contact:
📧 support@zizapay.com

Please include:

• 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 transaction originated or was received.

Need Help?

If you have questions about your transaction, compliance, or account status:

• Email: contact@zizapay.com
• Website: www.zizapay.com

We’re here to help ensure your transactions are safe, transparent, and reliable. ❤️