Chargeback & Refund Policy
Our chargeback and refund policy is designed to protect both cardholders and merchants. Maintaining fair usage ensures uninterrupted service for everyone.
Chargeback Rate Limit
Maintain chargeback, refund, and refund amount rates below 15%. Accounts exceeding this threshold may be subject to review, restrictions, or suspension. We encourage resolving disputes directly with the merchant before initiating a chargeback.
Malicious Chargebacks
Malicious chargebacks or refunds are strictly prohibited. Filing false chargebacks or abusing the refund system is a violation of our terms of service and may result in immediate account suspension or termination without notice.
Dispute Resolution
If you have an issue with a transaction, we recommend first contacting the merchant directly. Most merchants are willing to resolve disputes, issue refunds, or provide replacements. If the issue remains unresolved, contact our support team for assistance.
Refund Processing
When a refund is issued by a merchant, the funds are returned to your card balance. Refund processing times vary by merchant and payment network, typically taking 5-10 business days to appear in your available balance.
Related Policies
Review other UMVA Card guidelines and policies
Need Help?
If you have questions about any policy or guideline, our support team is here to help.
Contact Support