Refund Policy

1. Subscription Refunds

HanuPay offers subscription-based payment processing services. Our refund policy for subscription fees is as follows:

1.1 Monthly Subscriptions

For monthly subscription plans:

• You may cancel your subscription at any time through your account dashboard.
• Cancellations will take effect at the end of your current billing cycle.
• We do not provide prorated refunds for partial months of service.
• If you cancel within the first 14 days of your initial subscription (trial period), you will receive a full refund of your subscription fee.

1.2 Annual Subscriptions

For annual subscription plans:

• If you cancel within 30 days of your initial annual subscription purchase, you will receive a full refund of your subscription fee.
• If you cancel after 30 days but before the end of your annual term, you may be eligible for a prorated refund based on the unused portion of your subscription, less a 20% administrative fee.
• Refund requests must be submitted in writing to billing@hanupay.com.

2. Transaction Fee Refunds

Transaction fees are charges applied to payment processing activities. Our policy regarding transaction fees is as follows:

• Transaction fees are non-refundable once a transaction has been processed, regardless of whether the transaction is later refunded, charged back, or disputed.
• If a transaction was processed in error due to a technical issue on our platform, we will refund the associated transaction fee.
• For transactions that fail to process completely, no transaction fee will be charged.

3. Refunds for Your Customers

As a payment processor, HanuPay facilitates refunds to your customers. Our policy regarding customer refunds is as follows:

• You can issue full or partial refunds to your customers through your HanuPay dashboard or API for up to 180 days after the initial transaction.
• When you issue a refund, the transaction amount will be returned to your customer's payment method.
• The original transaction fee is not refunded when you issue a refund to your customer.
• Refunds typically take 5-10 business days to appear on your customer's statement, depending on their payment method and financial institution.

4. Chargebacks

Chargebacks occur when a customer disputes a transaction directly with their card issuer or bank. Our policy regarding chargebacks is as follows:

• A chargeback fee of $15 will be assessed for each chargeback received.
• If you successfully dispute the chargeback and it is reversed, the chargeback fee will be refunded to your account.
• The original transaction fee is not refunded in the event of a chargeback.
• HanuPay provides tools and resources to help you prevent and fight chargebacks. Please contact our support team for assistance with chargeback disputes.

5. Service Termination

If your account is terminated for any reason:

• Any unused portion of your subscription fee may be refunded at our discretion, depending on the circumstances of the termination.
• If the termination is due to a violation of our Terms of Service, no refund will be provided.
• We reserve the right to withhold refunds if we detect fraudulent activity or abuse of our services.

6. How to Request a Refund

To request a refund for eligible services:

1. Log in to your HanuPay account dashboard.
2. Navigate to the Billing section.
3. Select the subscription or charge for which you're requesting a refund.
4. Click on the "Request Refund" button and follow the prompts.

Alternatively, you can contact our support team at support@hanupay.com with your refund request. Please include your account information and the reason for your refund request.

7. Processing Time

Refund processing times are as follows:

• Subscription refunds are typically processed within 3-5 business days.
• The time it takes for the refund to appear in your account depends on your payment method and financial institution, usually 5-10 business days.
• For expedited refund requests, please contact our support team.

8. Policy Changes

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. It is your responsibility to review this policy periodically for changes. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.

9. Contact Us

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

• By email: billing@hanupay.com
• By phone: +1 234 567 8901
• By mail: 123 Business Street, Tech City