Refund Policy

2.1 14-Day Free Trial Instead of a Money-Back Guarantee

Self-serve paid plans (Operations and AI Growth) start with a 14-day free trial so you can evaluate the full service before any charge. Because no payment is taken during the trial, we do not operate a separate money-back guarantee. If you decide Payverge is not right for you, simply cancel before the trial ends and you will not be billed.

After the trial:

• Cancel any time before the trial ends to avoid the first charge
• Once the first charge is processed, that billing period is non-refundable except as described in Sections 3 and 4 below
• Refund requests for exceptional circumstances are reviewed case by case (see Section 4)
• The account must not have violated our Terms of Service

2.2 Subscription Renewals

Subscription renewals (monthly or annual) are non-refundable. Once a renewal payment is processed, we cannot issue a refund for that billing period.

To avoid being charged for a renewal, you must cancel your subscription before the renewal date. You can cancel at any time through your account settings, and you will retain access to paid plan features until the end of your current billing period.

2.3 Pro-Rated Refunds

We do not offer pro-rated refunds for partial subscription periods. If you cancel your subscription mid-cycle, you will retain access to paid plan features until the end of your current billing period, but no refund will be issued for the unused portion.

3.1 Card Payment Refunds

Subscription payments are processed through our secure payment processor. Approved refunds are processed within 5-10 business days and will appear on your original payment method.

Refunds will be credited to the same credit/debit card used for the original purchase.

3.2 Processing Fees

Payment processing fees charged by our payment processor are non-refundable. Refunds will only include the subscription fee amount, not any associated processing costs.

3.3 Customer Payment Disputes

For disputes regarding customer payments processed through your business:

• Business owners are responsible for resolving payment disputes directly with their customers
• Payverge does not hold customer funds and cannot reverse completed transactions
• All payments are settled directly to business accounts
• Business owners must handle refunds to customers independently through their payment processor

4.1 Service Outages

If our service experiences significant downtime (more than 48 consecutive hours) due to issues within our control, we may offer pro-rated credits or refunds at our discretion. This does not apply to:

• Scheduled maintenance (with advance notice)
• Blockchain network issues beyond our control
• Third-party service disruptions
• Force majeure events

4.2 Account Termination by Payverge

If we terminate your account due to a violation of our Terms of Service, no refund will be issued. However, if we terminate your account for reasons other than a Terms of Service violation, we may issue a pro-rated refund at our discretion.

4.3 Good Faith Consideration: We reserve the right to issue refunds on a case-by-case basis for exceptional circumstances not covered in this policy. All such decisions are at our sole discretion.

5.1 Refund Request Process

To request a refund, please follow these steps:

1. Contact Support: Email us at [email protected] with the subject line "Refund Request"
2. Provide Information: Include your account email, transaction ID, payment date, and reason for the refund request
3. Wait for Review: Our team will review your request within 2-3 business days
4. Receive Decision: You will receive an email with our decision and next steps
5. Refund Processing: If approved, refunds are processed within 5-10 business days to your original payment method

5.2 Required Information

To process your refund request efficiently, please provide:

• Full name and account email address
• Last 4 digits of the card used for payment
• Transaction ID or receipt number
• Date of purchase
• Subscription type (monthly or annual)
• Detailed reason for refund request
• Any supporting documentation or screenshots

6.1 How to Cancel

You can cancel your subscription at any time through your account dashboard under "Subscription Settings." Cancellation takes effect at the end of your current billing period.

After cancellation, you will continue to have access to paid plan features until the end of your paid period. Access will then be locked after a 72-hour grace period until a new subscription is activated.

6.2 Data Retention After Cancellation

When you cancel your subscription:

• Your menu items, business information, and settings are preserved
• Transaction history remains accessible in read-only mode
• You can reactivate your subscription at any time to regain full access
• Data is retained for 12 months after cancellation, after which it may be deleted

9.1 Contact Us First

If you have an issue with a charge, please contact us before initiating a chargeback with your bank or credit card company:

• Contact our support team first before taking any other action
• We will work with you to resolve the issue fairly
• Unauthorized disputes may result in account suspension

9.2 Fraudulent Transactions

If you believe your payment method was compromised and a fraudulent subscription purchase was made, contact us immediately at [email protected]. We will investigate and may issue a refund if fraud is confirmed. You should also contact your card issuer to report the fraudulent charge.