Refund Policy
AppxPay Refund Policy
Last Updated: June 21, 2025
This Refund Policy explains your rights and our obligations regarding refunds for transactions processed through AppxPay's money transfer, remittance, and payment services.
1. General Refund Principles
AppxPay will process refunds under the following circumstances:
Failed Transactions: When a money transfer cannot be completed to the intended recipient
Unauthorized Transactions: Payments made without your authorization
Service Errors: Mistakes caused by our system or processes
Cancelled Transactions: Requests cancelled within allowable timeframes
2. Refund Eligibility
2.1 Refundable Transactions
Failed money transfers that could not be delivered to the recipient
Duplicate transactions processed in error
Transactions where incorrect amount was sent due to system error
Unauthorized or fraudulent transactions
Transactions cancelled before processing is completed
2.2 Non-Refundable Transactions
Completed transfers where funds were successfully received by the beneficiary
Transactions where incorrect details were provided by the sender
Fees for services already rendered
Foreign exchange rate differences
Transactions older than 180 days
3. Refund Process
3.1 Timeframes
Failed transfers: Automatic refund within 3-5 business days
Disputed transactions: Refund within 10 business days after investigation
Cancelled transfers: Refund within 5-7 business days
3.2 Refund Methods
Refunds will be issued to the original payment method used
Bank transfers may take additional processing time
Credit/debit card refunds may appear on your statement within 5-10 business days
4. Special Cases
4.1 Remittance-Specific Refunds
Cross-border transfers may incur additional processing time (7-14 business days)
Currency conversion will use the original exchange rate or current rate at our discretion
International banking fees may be deducted from refund amount
4.2 Merchant Payment Refunds
Refunds for merchant payments must be requested through the merchant first
Chargebacks may be initiated for unresolved merchant disputes
5. How to Request a Refund
- Log in to your AppxPay account
- Navigate to "Transaction History"
- Select the transaction in question
- Click "Request Refund" and follow instructions
- For urgent requests, contact our support team immediately
Important Notes:
Refund requests must include the original transaction reference number
We may require additional verification for security purposes
AppxPay reserves the right to refuse refunds that don't meet our policy criteria
Government-issued ID may be required for large refund amounts
6. Dispute Resolution
If you disagree with our refund decision:
- Submit a formal appeal to disputes@appxpay.online
- Include all relevant transaction details and supporting documents
- Our compliance team will review within 15 business days
- For unresolved disputes, you may contact the Financial Ombudsman Service
7. Contact Information
AppxPay Customer Support
Email: support@appxpay.online
Phone: +03601 885399
Address: 20-22 Wenlock Road, London, England, N1 7GU
For refund inquiries, please include "Refund Request" in your subject line and provide your transaction ID.
