Refund Policy

This policy describes how refunds and reversals are handled for ZivoraPay service fees and card transactions.

Card issuance and service fees

Fees for services already delivered, including successfully issued cards, are generally non-refundable unless required by applicable law or a confirmed billing error occurred.

Top-up and network transactions

Crypto transfers confirmed on a blockchain generally cannot be reversed by ZivoraPay. Users are responsible for selecting the correct supported network and destination before sending funds.

Merchant refunds

Refunds initiated by merchants are returned through the applicable card/payment channel. Processing time depends on the merchant, network and provider and may not be immediate.

Duplicate or incorrect charges

If you believe ZivoraPay charged a fee incorrectly or more than once, contact support with the transaction reference and relevant details so the record can be reviewed.

How to request a review

Email support@zivorapay.com. For unresolved complaints, contact complaints@zivorapay.com.