Refund Policy
Last updated: February 24, 2026
Introduction
This Refund Policy outlines how PaymentInt handles refunds for merchants using our payment processing services. Understanding this policy helps you manage customer refunds effectively and maintain positive customer relationships.
By using PaymentInt's services, you agree to comply with this policy and accept responsibility for managing your customer relationships and refund requests.
Merchant-Initiated Refunds
As a merchant, you are responsible for your own refund policies. You may issue refunds to your customers through the PaymentInt dashboard at any time.
How Refunds Work:
- Full or partial refunds can be processed through your dashboard
- Refunds typically appear in the customer's account within 5-10 business days
- Processing fees are not refunded when you issue a refund
- Refunds are deducted from your PaymentInt balance or next payout
- You can refund any transaction within 180 days of the original payment
Refund Processing Timeline
Once you initiate a refund through your PaymentInt dashboard:
- Same Day: Refund is processed immediately in our system
- 1-3 Business Days: Refund appears as pending on customer's statement
- 5-10 Business Days: Refund fully completes and funds are available to customer
Partial Refunds
PaymentInt allows you to issue partial refunds for any transaction. This is useful when:
- A customer returns only some items from an order
- You want to provide a discount or credit after a complaint
- There was an overcharge that needs correction
- You're offering a goodwill gesture to maintain customer satisfaction
Simply enter the amount you wish to refund when processing the refund through your dashboard. The processing fee is never refunded, regardless of whether the refund is full or partial.
Subscription Refunds
Monthly subscription fees for PaymentInt plans are non-refundable. However:
- You can cancel your subscription at any time
- Your plan will remain active until the end of your billing period
- No prorated refunds are provided for partial months
- Transaction fees are charged separately and are non-refundable
Example:
If you're on a Professional plan ($99/month) and cancel on the 15th day of your billing cycle, you will continue to have access to Professional plan features until the end of that month. No refund will be issued for the remaining 15 days, but you won't be charged again when the next billing cycle begins.
Processing Fees and Refunds
PaymentInt's transaction processing fees are non-refundable when you issue a refund to a customer.
Why Processing Fees Are Not Refunded:
- Card networks (Visa, Mastercard, etc.) charge fees for both the original transaction and the refund
- Administrative costs are incurred when processing any transaction
- Resources are used for fraud detection, security, and infrastructure
Example Scenario:
Original Transaction: Customer pays $100
Your Processing Fee: $3.20 (2.9% + $0.30)
You Receive: $96.80
When you issue a full refund:
- Customer receives: $100 back
- Deducted from your balance: $100
- Processing fee ($3.20) is NOT refunded to you
- Total cost to you: $3.20
Refund Best Practices
To minimize refund requests and maintain positive customer relationships:
Clear Product Descriptions
Ensure your product/service descriptions are accurate and detailed to set proper expectations.
Visible Refund Policy
Display your refund policy prominently on your website and during checkout.
Quick Response Time
Respond to customer concerns promptly to resolve issues before they request refunds.
Offer Alternatives
Consider offering exchanges, store credit, or partial refunds as alternatives to full refunds.
Refund vs. Chargeback
It's important to understand the difference between refunds and chargebacks:
Refunds
- ✓ Initiated by you (the merchant)
- ✓ No additional fees (only processing fee lost)
- ✓ Maintains positive customer relationship
- ✓ Doesn't affect your chargeback rate
- ✓ Processed within 5-10 business days
Chargebacks
- ✗ Initiated by customer through their bank
- ✗ $15 chargeback fee (non-refundable)
- ✗ Can damage merchant reputation
- ✗ Increases chargeback rate (risky)
- ✗ Takes 30-90 days to resolve
💡 Pro Tip:
Always process legitimate refund requests immediately through PaymentInt. This prevents customers from filing chargebacks, which cost you more money ($15 fee) and can negatively impact your account status.
Merchant Responsibility
By using PaymentInt, you acknowledge and agree that:
- You are solely responsible for your refund policies and customer satisfaction
- You must clearly communicate your refund terms to customers before purchase
- You will process legitimate refund requests promptly through the dashboard
- Processing fees are non-refundable for all transactions
- You accept that issuing refunds helps prevent costly chargebacks
- PaymentInt is not responsible for disputes between you and your customers
Questions About Refunds?
If you have questions about this policy or need assistance with processing refunds, please contact our support team:
Email:
support@paymentint.com
Phone:
+1-(888)-502-7038
Hours:
24/7 Support Available