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Privacy Policy – Apexpay Technology

By accepting to use Apexpay Technology Services, you agree to process returns of, and provide refunds and adjustments for, Products sold and/or payment collected through the Merchant Site in accordance with this Agreement, the Acquiring Banks’ instructions and Card Association Rules. You understand that no refund shall be processed by Apexpay Technology after a period of 180 days from the date of the Transaction. You shall

  • (a) maintain a fair refund, cancellation or adjustment policy;
  • (b) disclose its return or cancellation policy to Buyers,
  • (c) not give cash refunds to its Buyers in connection with a card sale, unless required by law, and
  • (d) not accept cash or any other item of value for preparing a card sale refund.

The amount of the refund/adjustment must include any associated taxes required to be refunded and cannot exceed the amount shown as the total on the original sales data except by the exact amount required to reimburse the Customer for postage that the Customer paid to return merchandise. If the Customer accepts returns and makes an uneven exchange of Products (e.g., the sales price is not the same), you must issue a credit for the total amount of the Products being returned and the Users must complete a new sale for any new Products. Please be aware, that if your refund policy prohibits returns or is unsatisfactory to the Customer, you may still receive a chargeback relating to such sales.


All payments with respect to refunds and Chargebacks shall be solely your responsibility and Apexpay Technology shall not be liable for any claims, disputes, penalties which may arise in connection with such refunds or Chargebacks to you or the Customer. You shall indemnify Apexpay Technology in respect of any claims, disputes, penalties, costs and expenses arising directly or indirectly in relation to refunds or Chargebacks for all Transactions initiated and instructed through the Merchant Site.

Notwithstanding anything contained anywhere in this Agreement, you hereby confirm and agrees that Apexpay Technology, Acquiring Bank and Nodal Bank reserve the right to reject payments with respect to any Customer Charge for reasons including but not limited to unlawful, erroneous Transaction, Chargeback, refund, fraud, suspicious activities, card Authentication and Authorization issues, overpayment made due to mathematical errors or otherwise, penalties incurred, Transaction related issues, issues related to Delivery, Customer Charge or Product, if the Transaction was not made in accordance with the requirements of Apexpay Technology and/or the Acquiring Banks and/or Card Association.

In the event of rejection of payment with respect to Customer Charge, Chargeback, refunds or other Outstanding Amounts due to Apexpay Technology, Acquiring Bank and/or the Customer by you, Apexpay Technology and/or the Acquiring Bank reserve the right to reverse the credit given to the Merchant Bank Account or set-off the payment amount rejected, Chargeback or refunded or the Outstanding Amount against Settlement Amount payable to you. Apexpay Technology and/or Acquiring Banks may also deduct the payment amount due from future Settlement Amounts payable to you with respect to subsequent Transactions. All Settlement Amount due to you under this Agreement may be suspended or delayed till such time as Apexpay Technology, the Acquiring Banks and/or nodal bank deems fit, if

  • (a) the you or your Customer or a third party commits any fraud or violates any law or legal requirement;
  • (b) Apexpay Technology and/or the Acquiring Banks have reasons to believe that a fraud has been committed against the Customers, Apexpay Technology, Acquiring Banks or any third party by you, your Customers, or any other third party; or has reason to believe that the Merchant or the Customer has in connivance with any other person done any fraud or assisted in the same; or any transaction has been fraudulently initiated;
  • (c) you have excessive pending Chargebacks or poses high Chargeback and/or refund Risk;
  • (d) continuous non-delivery or delayed delivery of Products to Customers; or
  • (e) for any other reasonable reasons.

Apexpay Technologies Private Limited is a name you can bank upon to delgate the responsibility of taking care of your business's money management.

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