At Capay, we're dedicated to capturing success through seamless payment solutions. If you encounter any issues with a transaction, please review our refund and return policy below:

1. Refund Eligibility

Refunds are only applicable for the following cases:

• Unauthorized transactions

  • Platform-related errors or system malfunctions

  • Service disruptions directly caused by Capay

  • Failed recurring billing charges due to system errors

• All refund or dispute claims must be submitted within 14 days of the transaction date

• Refunds will not be issued for transactions that were knowingly and intentionally completed by the user

2. How to Request a Refund

To initiate a refund request, please contact our support team with the following details:

• Transaction ID or billing reference

• Date and amount of payment

• Detailed reason for the refund request

• Any supporting documents (invoices, screenshots, correspondence, etc.)

Requests can be submitted via email at grow@capay.com or through our customer portal support system.

3. Processing Time

• Refund requests will be reviewed and responded to within 5-7 business days

• If approved, refunds will be processed and returned to the original payment method within 7-10 business days, depending on your financial institution

• Subscription refunds may require additional processing time for prorated calculations

4. Non-Refundable Services

Refunds will not be provided for:

• Subscription or recurring billing fees that have already been used or activated

• Transactions conducted via third-party providers integrated with Capay

• Purchases made from merchants or businesses using Capay—please contact the seller directly for their return and refund policies

• International transaction fees and currency conversion charges

• Customization or integration services already delivered

5. Chargebacks & Dispute Resolution

If you suspect unauthorized activity or a payment error, we strongly encourage you to contact Capay Support before initiating a chargeback with your bank. We aim to resolve disputes promptly and minimize delays or extra fees.

6. Contact Us

For questions about this policy or to submit a refund request, reach out to us via: 📧 Email: grow@capay.com

Capay reserves the right to update or amend this policy at any time without prior notice. Please review this page periodically for the latest terms.