Refund Policy

This Refund Policy explains how refunds are handled when you use 创意电子支付.

1. Refund Responsibilities

Refunds for end users are generally initiated and authorized by the merchant (you). The platform may provide tools and records to assist you, but the merchant remains responsible for customer communication and dispute handling.

2. Channel Rules

Refund availability, timelines, and constraints depend on the payment channel (e.g., WeChat, Alipay, cards). Channel rules may require original transaction reference, time limits, partial refund restrictions, or additional verification.

3. Service Fees

Unless otherwise stated, transaction service fees may be non-refundable. If a channel refunds fees, we will follow the channel’s final settlement rules. Please refer to fee descriptions in your dashboard.

4. Chargebacks & Disputes

For card chargebacks or user disputes, you may be asked to provide evidence. Outcomes are determined by the payment channel or issuing bank. We do not guarantee dispute outcomes.

5. Processing Time

Refund processing time varies by channel and may take from minutes to several business days. Actual arrival time depends on the payer’s bank or wallet provider.

6. Contact

If you need help with refund records or channel issues, please contact support using the links in the footer.