Refund Policy

Secure by Pay is an escrow platform that securely holds a buyer's funds until the agreed transaction conditions have been satisfied.

Secure by Pay offers two transaction models:

Refunds may be issued only where:

• The seller fails to deliver the product or service.
• A dispute is resolved in favor of the buyer.
• Payment was made in error and the funds have not been released.
• Secure by Pay determines that a refund is appropriate after reviewing the available evidence.

A buyer may be eligible for a full refund where:

• The seller fails to fulfill the transaction.
• The transaction expires without successful completion.
• Secure by Pay determines that the buyer is entitled to a refund after reviewing all available evidence.

Delivery fees apply only to transactions that use SecurebyPay's Quality Assurance (QA) and Shipping service.

For transactions completed using Escrow Only, SecurebyPay does not charge or collect delivery fees and is not responsible for delivery arrangements, shipping costs, delays, loss, or damage occurring during transportation.

For transactions using Escrow + QA & Shipping, any applicable delivery fee will be displayed before payment is made.

Where SecurebyPay's QA service is used, our team will inspect the product before shipment to verify that it reasonably matches the seller's description and any agreed specifications.

The QA process is intended to reduce the risk of disputes but does not constitute a warranty or guarantee against hidden defects, future performance issues, or manufacturer defects.

Where Secure by Pay has provided QA and Shipping services, and a dispute is resolved in favor of the buyer after delivery, Secure by Pay may refund the product value to the buyer's Secure by Pay Wallet.

Delivery fees paid for QA & Shipping services are generally non-refundable once the product has been inspected and dispatched, except where Secure by Pay determines that the delivery service itself was not provided as agreed.

Refunds will generally not be granted where:

• The buyer confirms delivery by providing or entering the Secure by Pay OTP before receiving the product.
• The buyer changes their mind after accepting delivery.
• The product substantially matches the agreed description.
• The buyer fails to cooperate during the dispute process.
• The buyer violates the Terms and Conditions.

All approved refunds are credited only to the buyer's Secure by Pay Wallet.

Funds refunded to the Secure by Pay Wallet may be used for future eligible transactions or withdrawn where withdrawals are supported under Secure by Pay's applicable policies.

Secure by Pay does not currently issue refunds directly to bank accounts, payment cards, or other original payment methods.

Approved refunds will typically be credited to the buyer's Secure by Pay Wallet within the timeframe communicated by SecurebyPay after the refund decision has been made.

Processing times may vary depending on verification requirements or ongoing investigations.

Secure by Pay reserves the right to delay, deny, or investigate refund requests where there is reason to believe fraudulent activity, abuse of the Platform, false claims, or other violations of applicable laws or our Terms and Conditions have occurred.

Secure by Pay may update this Refund Policy from time to time.

Material changes will be communicated through the Platform.

Continued use of the Platform after the effective date of the revised Policy constitutes acceptance of the updated Refund Policy.

For questions regarding these Terms, please contact:

Secure by Pay