PayAngel Refund Policy

Effective Date: May 6, 2025

1. Purpose

This Refund Policy outlines the conditions under which PAYINC GROUP LIMITED (trading as "PayAngel"), and its affiliates, subsidiaries, and related companies (collectively, “PayAngel”) may issue refunds to users of its services, including international money transfers, wallet services, and merchant payment services.

2. General Principles

• Refunds are assessed and issued on a best-effort basis.
• Not all transactions are eligible for refund once executed, especially where funds have already been delivered to the recipient.
• Refunds may be partial or full, depending on the nature and timing of the request.

3. Eligibility for Refunds

A refund may be considered if:

• The transaction has not yet been paid out to the recipient.
• You request cancellation before the payout has occurred.
• A technical error on our system caused a failed or duplicate transaction.
• The funds are undeliverable due to incorrect recipient details and cannot be reprocessed.

Refunds are not guaranteed for:

• Transactions already completed or withdrawn by the recipient.
• Transactions flagged or held due to compliance review (KYC/AML/EDD).
• Circumstances outside of PayAngel’s control, including issues with third-party payout partners.

4. How to Request a Refund

To request a refund:

• Email: refunds@payangel.com
• Include: full name, transaction reference number, reason for refund request, and supporting documentation (if applicable).

We recommend submitting your request within 5 business days of the transaction.

5. Processing Timeline

• Refunds (if approved) are typically processed within 10–15 business days.
• Timeframes may vary depending on the payment method, regulatory requirements, and recipient bank or provider response times.

6. Deductions and Fees

• Processing fees, foreign exchange losses, and third-party service charges may be deducted from the refund amount.
• Any portion of the transaction already paid out is not refundable.

7. Regulatory & Compliance Exceptions

PayAngel may be legally required to withhold, freeze, or delay funds or refunds:

• Under local or international AML/CFT regulations;
• Upon request by regulatory authorities;
• In the event of account compromise or suspected fraud.

8. Right to Decline

We reserve the right to decline a refund request if:

• You provided inaccurate or fraudulent information;
• The request falls outside of eligibility conditions;
• The transaction was successfully completed as instructed.

9. Changes to This Policy

PayAngel may update this Refund Policy periodically. Material updates will be communicated via our website or app with an updated effective date.

10. Contact Us

For questions about refunds, please contact us:

Email: refunds@payangel.com

Website: www.payangel.com