1. General Policy

Once a transaction is completed through the ZERTH PAY platform, it is considered final. However, under certain circumstances, users may request a refund or cancellation in accordance with the provisions outlined below.

2. Applicable Transactions

• Bill Payments: Refunds are not applicable once the bill has been successfully processed.
• Fund Transfers: Completed transfers cannot be reversed. Users are advised to confirm recipient details before proceeding.
• Flight & Hotel Bookings: Refunds and cancellations are subject to the terms of the respective airline or hotel provider. ZERTH PAY acts as an aggregator and does not guarantee refunds outside these terms.
• Event Reservations: Cancellations and refunds are governed by the event organizer’s policy.

3. Refund Requests

To request a refund, users must contact our support team within 24 hours of the transaction with the following details:

• Transaction ID
• Proof of transaction
• Reason for refund

All requests will be reviewed, and valid claims will be processed within 5-10 working days, subject to third-party provider policies.

4. Failed Transactions

If a transaction fails due to technical issues or downtime, and the user’s account was debited, ZERTH PAY will automatically initiate a reversal or refund within 24-72 hours.

5. Dispute Resolution

If a user disagrees with a refund decision, they may escalate the matter by contacting support@zerthpay.com. Further disputes will be resolved in accordance with Nigerian consumer protection and financial laws.

6. Modification of Policy

ZERTH PAY reserves the right to modify this policy at any time. Changes will be communicated through the app or website, and continued use of our platform implies acceptance.

7. Contact Us

For all refund and cancellation matters, contact:

Email: support@zerthpay.com

Phone: +2348119997040

Last updated: April 15, 2025