Refund & Cancellation Policy

1. Scope

This policy explains how refunds, cancellations, and disputed transactions are handled for payments processed through FlashPaym. It applies to merchants using FlashPaym and their customers.

2. Merchant-initiated refunds

Merchants can issue full or partial refunds for completed transactions directly from the FlashPaym dashboard. Refunds are returned to the customer via the same rail used for the original payment (JazzCash, Easypaisa, or bank transfer), FlashPaym does not redirect refunds to a different payment method.

3. Failed & reversed transactions

If a transaction fails after funds have left a customer's account, the affected rail (JazzCash, Easypaisa, or the customer's bank) is responsible for reversing the deduction according to its own reversal timelines. FlashPaym does not charge merchants any fee on failed or reversed transactions.

4. Refund timelines

• JazzCash / Easypaisa wallet refunds: typically reflected within 1–3 business days.
• Bank transfer / Raast refunds: typically reflected within 2–5 business days, depending on the receiving bank.

Actual timelines depend on the relevant rail and are outside FlashPaym's direct control.

5. Disputed transactions & chargebacks

If a customer disputes a transaction, the merchant will be notified via the dashboard and given the opportunity to respond with evidence (e.g. delivery confirmation, service completion). FlashPaym and our aggregator partner will review the dispute in line with the relevant rail's dispute-resolution process before a final decision is made.

6. Cancelling your FlashPaym account

Merchants may close their FlashPaym account at any time by contacting support, provided there are no pending settlements or open disputes. Any funds already collected but not yet settled will be paid out to your registered bank account before closure is finalized.

7. Contact

For refund or dispute questions, contact support@flashpaym.com or WhatsApp +92 306 8004058.