Refund Policy

This Refund Policy explains when money can — and cannot — be returned after you use BetaPayAI. It applies to wallet funding and purchases made through WhatsApp, Telegram, and betapayai.com.

This Policy should be read with our Terms & Conditions and Privacy Policy. By funding your wallet or completing a purchase, you agree to this Policy.

BetaPayAI is a prepaid wallet for buying digital goods and bill-payment services in Nigeria. It is not a bank account, savings product, or cash-out service.

Once money has been successfully added to your BetaPayAI wallet, it cannot be refunded back to your bank account, debit/credit card, USSD channel, or any other external payment method.

Successful wallet funding is strictly for buying BetaPayAI service goods — including airtime, mobile data, electricity tokens, cable TV subscriptions, betting wallet top-ups, examination pins, and other services we make available in chat.

Wallet balance is prepaid value inside BetaPayAI. It does not earn interest, is not a bank deposit, and is not protected by deposit insurance.

You should only fund an amount you intend to spend on BetaPayAI services. Keep a monthly or yearly bill budget in your wallet if that helps you pay bills when they are due.

If a purchase fails because of a third-party provider issue, network outage, biller downtime, or a technical problem on our side after your wallet has been debited, and the product or service is not delivered, we will refund the failed amount to your BetaPayAI wallet.

Refunds for failed transactions are credited only to your BetaPayAI wallet. They are not paid out to your bank, card, or cash.

Where a service fee was charged for that failed purchase, that fee is also returned to your wallet when the purchase is refunded.

For multi-recipient purchases, only the legs that fail are refunded. Successful legs stay completed. You may retry failed numbers in chat where that option is offered.

Most failed-purchase refunds are applied automatically. If a delay occurs, contact support with your transaction reference so we can investigate.

Once a purchase is successfully delivered — for example airtime or data credited, an electricity token issued, a cable subscription renewed, a betting wallet topped up, or an exam pin issued — the transaction is final.

We cannot reverse value already delivered to a phone number, meter, smartcard, betting account, or examination body. Check every detail (amount, network, number, meter, smartcard, betting ID) before you confirm with your PIN.

If you sent value to the wrong recipient by mistake, that is not a failed transaction and is not eligible for a refund. Contact the recipient or the relevant provider if you need help recovering value.

If your payment partner confirms a successful charge but your wallet is not credited, contact support promptly with the payment reference from checkout. We will investigate with our payment partner.

If you were charged twice for the same funding attempt, we will credit the confirmed amounts according to the payment partner’s records. Extra confirmed funding still sits in your BetaPayAI wallet and is not withdrawn to your bank.

Abandoned, cancelled, or failed checkout attempts are not wallet credits. Only payments confirmed as successful by our payment partner are added to your wallet.

If you dispute a successful wallet funding with your bank or card issuer (a chargeback) after the wallet has been credited, we may freeze, debit, or recover the disputed amount from your BetaPayAI wallet and related balances.

Opening a chargeback for a successful funding that was credited to your wallet may result in account restriction while we investigate fraud or abuse.

Contact support@betapayai.com first if you believe a funding error occurred. Many issues can be resolved without a bank dispute.

Deposit bonuses, promotional credits, and similar campaign value have no cash value outside BetaPayAI.

Promotional credits cannot be refunded to a bank or card. They may expire, be capped, or be reversed if the related funding is reversed, charged back, or found to be ineligible.

We do not refund to bank, card, or cash: successful wallet funding; unused wallet balance you no longer wish to spend; successful purchases already delivered; value sent to a wrong number, meter, smartcard, or betting ID that you confirmed; fees charged by your bank, card issuer, or mobile operator for funding; or promotional credits.

We do not refund purchases that fail solely because you provided incorrect details, cancelled after confirming, or attempted a purchase that is not supported.

Keep your checkout reference, chat receipt, and transaction reference. These help us locate the payment quickly.

Message BetaPayAI on WhatsApp or Telegram, or email support@betapayai.com from your registered recovery email.

Include: the date, amount, channel (WhatsApp or Telegram), payment or purchase reference, and a short description of the issue.

We aim to respond to verified refund and funding queries within a reasonable time. Complex cases that need a provider or payment-partner check may take longer.

Pausing your account blocks spending and bot replies. It does not convert wallet balance into a bank refund.

If your account is frozen or terminated for fraud, abuse, or violation of our Terms, wallet balances may be held, offset, or handled as required by law. Self-service cash-out is not available.

Unused prepaid wallet balance remains for BetaPayAI services unless we are legally required to treat it otherwise.

We may update this Refund Policy from time to time. The effective date at the top will change when we do. The current version is always available at betapayai.com/refund_policy.

Continued use of BetaPayAI after an update means you accept the revised Policy. If you do not agree, stop using the Service.

BetaRoute AI Technologies Limited

UCH, Ibadan, Nigeria

Support: support@betapayai.com

Website: https://betapayai.com

Related documents: Terms & Conditions (betapayai.com/terms) and Privacy Policy (betapayai.com/privacy).