Refund Policy

1. Overview

PayzMoon LLC ("PayzMoon", "we", "us") operates as a payment service provider that processes credit card transactions on behalf of independent merchants. When you make a purchase on a merchant website powered by PayzMoon, the merchant — not PayzMoon — is the seller of record and primary party responsible for the product, service, and any refund.

This Refund Policy describes the general framework that applies to all transactions processed through our platform. It does not replace the specific refund or cancellation policy of the merchant from whom you made the purchase. In the event of a conflict, the merchant's stated policy governs the underlying sale, while this policy governs our role as the processor.

2. Refund Eligibility

A transaction may be eligible for a refund under one or more of the following circumstances:

• The product or service was not delivered within the timeframe stated by the merchant.
• The product or service materially differs from the description provided by the merchant at the time of purchase.
• The charge is a duplicate of a previously completed transaction.
• The transaction was unauthorized or resulted from clerical or technical error.
• You cancelled a recurring subscription before the next billing cycle in accordance with the merchant's cancellation terms.

Refunds are generally not available for: digital content that has already been accessed, downloaded, or streamed; products marked as final sale by the merchant; or services that have already been fully rendered.

3. How to Request a Refund

The fastest way to resolve a refund request is to contact the merchant directly. The merchant's contact details typically appear on your purchase receipt and on your card statement next to the transaction descriptor.

1. Locate the merchant's name on your bank/card statement or in the email receipt you received after payment.
2. Contact the merchant's customer support via the channels they provide (email, support form, phone).
3. Provide the transaction ID, the date of the charge, and a clear description of the issue.
4. Allow the merchant a reasonable opportunity (typically 5–7 business days) to respond.

If the merchant is unresponsive or refuses a refund you believe you are entitled to, you may escalate to PayzMoon at [email protected]. Please include the same transaction information and a copy of your prior correspondence with the merchant.

4. Refund Processing Times

Once a refund is approved by the merchant, it is issued to the original payment method used for the transaction. PayzMoon does not issue refunds in cash, cryptocurrency, store credit, or to any account other than the original card.

Typical timeline:

• PayzMoon processing: 1–3 business days to release the refund to the card network.
• Card network and issuing bank: An additional 5–10 business days for the funds to appear on your statement, depending on your bank.
• International transactions: May take up to 15 business days due to additional bank processing.

Currency conversion losses, foreign transaction fees, or other charges levied by your issuing bank are outside our control and are not refunded by PayzMoon.

5. Partial Refunds

Where the merchant approves a partial refund (for example, on multi-item orders or pro-rated subscriptions), only the agreed portion of the original transaction will be returned to your card. Partial refunds follow the same processing timeline described in Section 4.

6. Subscriptions and Recurring Charges

If you signed up for a recurring subscription, you are responsible for cancelling the subscription with the merchant before the next billing date to avoid further charges. PayzMoon does not have the authority to cancel a subscription on the merchant's behalf, but we can assist in identifying the merchant if you cannot locate their contact information.

A previously completed billing cycle is generally not refundable once the subscription has been used, unless the merchant's specific policy provides otherwise.

7. Chargeback Rights

Nothing in this policy limits your rights as a cardholder to dispute a charge directly with your issuing bank under the chargeback rules of Visa, Mastercard, or American Express. We do, however, strongly encourage you to attempt to resolve the dispute with the merchant first, as chargebacks initiated without prior contact are often denied by issuers.

If you initiate a chargeback, PayzMoon will provide the merchant with the dispute details and any supporting evidence in accordance with the applicable card scheme rules. Filing fraudulent or unjustified chargebacks may result in account restrictions and is considered first-party fraud under industry guidelines.

8. Unauthorized Transactions

If you believe a charge processed through PayzMoon was unauthorized — for example, your card was used without your consent — please act immediately:

1. Contact your issuing bank and request that they block your card.
2. Email us at [email protected] with the transaction ID, date, amount, and a description of the issue.
3. File a chargeback through your bank if necessary.

PayzMoon takes unauthorized transactions seriously and will cooperate fully with your bank and applicable law enforcement.

9. Statement Descriptors

Charges processed through our platform will appear on your card statement under a descriptor that includes the merchant's name or trading name, and may include the prefix PAYZ* or PZM*. If you do not recognize a charge, the descriptor will help you identify the merchant before initiating a dispute.

10. Limitations

PayzMoon's responsibility under this policy is limited to facilitating the technical processing of refunds approved by the merchant. We are not party to the underlying sales contract between you and the merchant, and we make no representations or warranties about the goods or services provided.

Where local consumer protection laws grant you statutory rights that exceed what is described in this policy, those statutory rights take precedence.

11. Updates to This Policy

PayzMoon may update this Refund Policy from time to time to reflect changes in our practices, card scheme rules, or applicable law. The "Last updated" date at the top of this page indicates when the policy was most recently revised. Material changes will be posted prominently on this page.

12. Contact Information

If you have any questions about this Refund Policy, please contact us: