1. Subscription & Service Fees

All subscription and service fees paid by business users are non-refundable and non-prorated.

Changes to subscription plans (upgrades, downgrades) apply from the next billing cycle, and no refunds or credits are issued for the current period.

Free trials automatically convert to paid plans upon expiration; users must cancel prior to trial end to avoid charges.

2. Consumable Services & Transactions

End users (diners/customers) are not eligible for refunds once a service or product has been consumed or delivered.

If an order is fulfilled, served, or otherwise consumed, no refund will be processed by JoodPay.

Any refund requests for consumed items must be handled directly with the service provider (restaurant/café/retailer), who bears full responsibility for issuing refunds in accordance with their internal policies.

3. Order Cancellations

If a merchant cancels an unfulfilled order or if there is a system error preventing order completion, the merchant is responsible for issuing a full refund to the customer.

Customers should contact the merchant directly for cancellation and refund requests. JoodPay may facilitate communication but is not liable for refund issuance.

4. Dispute Resolution & Chargebacks

For payment errors (e.g., duplicate charges, technical glitches), customers may contact JoodPay support or the payment gateway. Verified errors will be corrected and refunded by the merchant.

Chargebacks initiated via the payment network follow card issuer policies; the merchant is liable for any chargeback fees and refund amounts.

5. No Refunds After Consumption

“Consumption” includes receiving a digital or physical good, service delivery, in-app use, or access to premium features.

Once content, services, or goods are accessed or provided, no partial or full refund is possible through JoodPay.

6. Merchant Responsibility

JoodPay acts as a technology facilitator only. Merchants are solely responsible for managing returns, refunds, and customer service related to transactions processed via the platform.

Merchants must clearly publish their refund and cancellation policies and honor them in good faith when handling customer requests.

7. Limitation of Liability

JoodPay is not liable for merchant refund or cancellation decisions. All liability for refunds rests with the merchant.

Any disputes regarding refunds should be resolved between the customer and the merchant; JoodPay may assist in communication but holds no financial obligation.