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Refund Policy

Effective Date: 03/07/2025

At MyBundlePay, we take pride in offering fast, secure, and reliable financial services. This Refund Policy explains when and how you may be eligible for a refund. Please read it carefully before using our services.

By using MyBundlePay, you agree to the terms below.

1. Services Covered by This Policy

This policy applies to the following services offered by MyBundlePay:

  • Wallet Transfers & Fundings

  • Airtime & Data Purchases

  • Bill Payments (Electricity, TV, etc.)

  • Virtual Cards (Dollar, Naira)

  • API Transactions

  • Business or Developer Integrations

  • Other digital financial services on our platform

2. General Refund Rules

  • All successful transactions are final and non-refundable.

  • Refunds are only processed for:

    • Failed transactions that were debited but not delivered.

    • Double debits for the same transaction.

    • Wrongful charges due to system or provider errors.

  • Requests must be made within 72 hours (3 days) of the transaction.

3. Virtual Card Transactions

Refunds for virtual card transactions will only be granted if:

  • Your card was funded but the balance did not reflect after 30 minutes.

  • You were charged twice for the same card funding.

  • You were charged for a failed transaction (e.g., merchant declined but balance reduced).

Refunds will not be granted if:

  • You used your card on restricted or unsupported sites (e.g., gambling, crypto, adult).

  • You input the wrong billing information or card details.

  • A merchant held funds or delayed refunds — you’ll have to contact the merchant directly.

Note: Virtual card funding is handled by third-party providers, and delays might occur. We’ll assist you but cannot force refund timelines.

4. API Transactions (Developers / Business)

If you’re using MyBundlePay API for automated services, refund eligibility depends on:

  • Failed API calls that led to user debit without service delivery.

  • Duplicate API requests that were not caused by your system error.

Refunds will not apply if:

  • You passed wrong or invalid data (e.g., phone number, meter ID, amount).

  • Your server triggered multiple requests or did not handle timeouts properly.

  • A successful transaction was misinterpreted due to client-side issues.

Our logs are final proof of whether the transaction succeeded or not.

5. How to Request a Refund

To request a refund:

  1. Email us at support@mybundlepay.com or use the in-app chat.

  2. Provide:

    • Your Full Name

    • Transaction ID

    • Amount

    • Date and Time

    • Description of the issue

We may request screenshots or bank alerts to help verify.

6. Processing Time

  • Verified refunds will be processed within 5 to 7 working days.

  • Refunds will be returned to your MyBundlePay Wallet unless otherwise agreed.

7. Non-Refundable Situations

We do not issue refunds for:

  • Transactions marked as successful by our system.

  • User errors (e.g., wrong account number, phone, DSTV card, or meter).

  • Transactions to services or merchants that delayed or rejected delivery.

  • Card usage on unsupported merchants or countries.

  • API misuse or failed integrations.

8. Fraud or Abuse

We take fraud seriously. Submitting fake refund requests, using stolen cards, or attempting to trick the system may lead to:

  • Permanent account ban

  • Reporting to regulatory authorities

  • Legal action where necessary

 9. Updates to this Policy

This Refund Policy may change from time to time. All changes will be posted on our website and app. Please review it regularly.

Need Help?

If you're unsure about any transaction, reach out to us:

Thank you for choosing MyBundlePay — Your Money, Your Way.

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