Refund Policy

Effective Date: April 12, 2023

ZPayNG is committed to providing a seamless and reliable digital service for airtime, data, bill payments, and other financial transactions. However, we understand that there may be instances where a refund is necessary. This policy outlines the conditions and procedures for refund requests.

1. Eligibility for Refund

Refunds are only applicable under the following conditions:

• The transaction was unsuccessful, and your account was debited.
• The service (e.g., airtime, data, electricity token) was not delivered within 24 hours after a successful debit.
• You were charged multiple times for the same transaction.
• A payment was made in error and reported immediately before service delivery.

2. Non-Refundable Transactions

We do not offer refunds in the following cases:

• Services were successfully delivered.
• User entered incorrect details (e.g., phone number, meter number).
• Transaction has been forwarded to third-party service providers for processing.

3. Refund Process

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

• Transaction reference or ID
• Date and time of transaction
• Registered email or phone number
• Proof of deduction (screenshot or bank statement)

Refunds may take up to 5–7 working days to process depending on your bank or payment provider.

4. Dispute Resolution

If you're unsatisfied with the outcome of a refund claim, you may escalate the matter to:

• Email: info@zpayng.com
• Phone: +2349067587444
• Payment gateway support (e.g., Monnify, Paystack)