These Terms and Conditions (“Terms”) govern the use of Callpay Payment Processing Services (“Services”) provided by Callpay (“we”, “us”, or “our”). By using our Services, you (“User”, “you”) irrevocably agree to be bound by these Terms. Please read them carefully.

Refund Policy

  1. Merchant Agreement Requirement: Refunds will only be processed to any party if the merchant, on whose behalf funds have been received by Callpay, gives written consent to refund funds received on behalf of the merchant. The merchant must explicitly agree that a refund is warranted and approved.

  2. Role of Callpay: Funds paid into accounts of Callpay are held by Callpay on behalf of merchants and not on behalf of the user. Callpay does not have the authority to issue refunds independently. Any refund can only be processed following the merchant’s written approval.

  3. Refund Amount: If a refund is agreed upon by the merchant in writing, the refund will be issued net of all applicable fees and commissions, but subject to a minimum service fee of 5% of the funds received.

  4. Irrevocable Agreement: By making a payment through any of Callpay payment gateways, the user irrevocably agrees to these terms and conditions regarding refunds.

Dispute Resolution

Any dispute arising from or in connection with this Agreement shall be referred to and finally resolved by arbitration in accordance with the Rules of the Arbitration Foundation of Southern Africa (AFSA). The arbitration shall be conducted by an arbitrator or arbitrators appointed by AFSA. The decision of the arbitrator shall be final and binding on the parties, and not subject to appeal. The arbitration proceedings shall be conducted in Cape Town and the language of the arbitration shall be English.