Refund & Dispute Policy

This Refund & Dispute Policy outlines the procedures for handling refunds and disputes related to transactions processed through Swift Pay.

Merchant Refunds: Users requesting a refund for a purchase must contact the merchant directly. If approved, the refund will be processed by the merchant and will reflect in the user's Swift Pay account within 1-2 business days.
Wallet Refunds: Users can request a refund of their remaining balance within their Swift Pay wallet. Refunds will only be sent to the original payment method and are subject to a 3% processing fee.
Refund Processing Time: Refunds to the original payment method may take 5-7 business days depending on the issuing bank.

Unauthorized Transactions: If a user believes there is an unauthorized transaction, they must report it to Swift Pay support within 7 days of the transaction date.
Merchant Disputes: Disputes regarding product quality, delivery, or service must be handled directly between the user and the merchant.
Investigation Process: Swift Pay will conduct an internal review for disputes related to system errors and unauthorized transactions.

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