At PIVOTALLOX SOLUTIONS, we understand that handling payments should feel straightforward and trustworthy, and that includes refunds. We want you to feel confident knowing that every transaction is processed carefully, securely, and consistently, so you can focus on your business or personal tasks without worry.
For clarity, in this policy, “we,” “our,” and “us” refer to PIVOTALLOX SOLUTIONS, while “you,” “your,” and “user” refer to anyone using our platform and its services. This Refund Policy explains when refunds may be granted, how to request one, and the responsibilities of both merchants and end-users. Our goal is to make each step clear and simple, so there are no surprises.
We encourage you to read through the details carefully. Understanding this policy ensures that if a refund situation arises, you will always know your options and feel supported. At the heart of it, we want every interaction to leave you feeling confident, informed, and taken care of.
Scope of the Policy
At PIVOTALLOX SOLUTIONS, we want you to always know when this Refund Policy applies, so there are no surprises along the way. Clear boundaries help everyone—customers, merchants, and partners—navigate transactions with confidence and peace of mind.
This policy applies to all users interacting with our platform, including individual buyers, registered merchants, and business partners who rely on our payment gateway. It also covers every transaction processed through PIVOTALLOX SOLUTIONS, whether payments are made using credit or debit cards, net banking, UPI, digital wallets, or any other supported method.
However, this policy does not override refund rules that individual merchants may set for their own products or services. In such cases, the merchant’s own terms will guide how refunds are handled.
Eligibility for Refunds
At PIVOTALLOX SOLUTIONS, we know that knowing when you can get your money back adds peace of mind to every transaction. Our goal is to make the refund process clear and reliable, so you can feel secure whenever you use our platform.
Refunds may be issued in several situations. This includes payments that were duplicated or processed incorrectly due to technical or system errors, transactions that failed because of banking network or technical malfunctions, or additional charges applied in error from gateway or merchant issues.
Refunds can also be provided for unauthorized transactions that are promptly reported and verified through our fraud review process, payments made in error due to inaccurate merchant details or unexpected system failures, and cancelled transactions that fall within the merchant’s permitted refund or return period.
When a transaction involves a merchant, PIVOTALLOX SOLUTIONS will initiate the refund only after the merchant confirms the request is valid and authorizes the reversal. This ensures that refunds are handled accurately and transparently for everyone involved.
Non-Refundable Transactions
We understand that clarity matters when handling payments. At PIVOTALLOX SOLUTIONS, some transactions cannot be refunded, and knowing this helps you act with confidence and avoid surprises.
The following transactions are considered non-refundable:
Keeping these exceptions in mind ensures you are fully informed before making any payment. This approach safeguards your experience while keeping transactions smooth and predictable.
Platform Fees and Deductions
When you use PIVOTALLOX SOLUTIONS, a small part of each transaction goes toward keeping the system running smoothly for everyone. Just like how a service charge covers the comfort of a good meal, these fees support the technology and security that make your payments possible.
The types of costs may include:
Most of these charges are non-refundable, as they reflect services already delivered. The only time you may see an exception is if a payment fails because of a technical issue within our platform. In situations where a dispute is raised, any refund provided might be adjusted to cover processing costs already incurred.
Refund Process
Sometimes payments take an unexpected turn, and that’s perfectly okay. We’ve designed a straightforward way for you to request a refund so you’re never left guessing. Following the right steps helps us handle your case faster and with care.
Steps to request a refund:
Following these steps ensures your refund is handled efficiently and fairly. We want you to feel confident that every refund request is taken seriously and processed with care.
Timeframe for Processing Refunds
We know waiting for a refund can feel like watching a pot that never boils. That’s why we want to give you a clear picture of what happens after your refund is approved. Our team begins processing your refund within 5 to 7 business days once approval is confirmed, so you know it’s moving along.
The time it takes for the money to show up in your account depends on your bank, card provider, or the payment method you used. These systems operate outside our platform, which means the speed of crediting can vary. As soon as the refund is triggered, we send you a notification via email or SMS to keep you updated every step of the way.
Sometimes, additional delays may happen due to internal bank processes, payment processor timelines, or the merchant’s own refund cycle. Keeping this in mind helps you understand why the exact timing can differ. Rest assured, every refund is handled carefully and monitored until it reaches your account, giving you confidence that your money is in good hands.
Transaction Reversal and Chargebacks
Sometimes a payment doesn’t feel quite right, and you might want to check with your bank or card provider to make sure everything is in order. This can start a process called a chargeback, where the transaction is carefully reviewed to confirm whether it was valid.
When a chargeback is initiated, PIVOTALLOX SOLUTIONS works closely with the merchant to gather any relevant information, such as transaction records, documents, or other evidence that helps clarify the situation. If the bank or card issuer determines that the chargeback is valid, the payment amount is returned to the customer. In such cases, the merchant may also be responsible for any fees or charges associated with the process.
We handle every chargeback with fairness and attention, making sure concerns are thoroughly reviewed. Our goal is to protect your interests while balancing the responsibilities of merchants, so you can trust that each case is resolved with transparency and care.
Taxes and Additional Fees
We know refunds are more than just getting money back—they also involve the small print like taxes and extra charges. It can be confusing, so we want to walk you through it clearly and make sure you know exactly what to expect.
Refunds may include taxes, such as GST or other legally required levies, but only when the law allows their return. If tax rules do not permit it, those amounts will stay with the authorities.
Sometimes, a few additional costs may be deducted from the refund. These can include administrative charges, payment processing fees, or charges collected by third-party providers. Whenever any adjustments are made, the refund confirmation will spell out the details so there are no surprises.
Merchant Responsibility
When you hit “pay now,” it’s good to know who handles what behind the scenes. For purchases involving a merchant’s products or services, the decision to approve a refund is generally up to the merchant. PIVOTALLOX SOLUTIONS simply facilitates the payment, stepping in directly only if there’s a technical glitch or confirmed fraudulent activity.
Merchants are expected to provide refund policies that are easy to find, clear to understand, and fair for customers. They also need to work closely with us whenever there’s a dispute or a resolution is required, so nothing gets stuck in limbo.
If a merchant falls short of these standards, we may temporarily hold settlements or suspend access to our services until the issue is resolved. This approach keeps the system fair and transparent, making sure you can shop and pay with confidence while merchants stay accountable.
Policy Changes
Like everything in the digital world, policies need a little tune-up from time to time. At PIVOTALLOX SOLUTIONS, we update our Refund Policy to reflect new regulations, service improvements, and industry best practices. This helps keep things fair, simple, and easy to understand for everyone using our platform.
Whenever changes are made, the updated policy will be posted right here with a new “Last Updated” date, so you always know which version is current. No hunting or guessing needed.
By continuing to use our services after any updates, you agree to the revised terms. Staying aware of these updates ensures you have clarity on how refunds are handled and gives you the confidence to navigate your transactions with ease.