Refund Policy

Refunding a payment

Refund from the dashboard or with POST /api/v1/refunds and the payment id. Refunds are full or partial, and partial refunds work until the remaining balance is used up.

The money leaves the same processor account the payment landed in, which is why only you can trigger it.

Timing

The processor confirms the refund in seconds and the buyer usually sees it in 5 to 10 business days, depending on their bank. Neither we nor the processor can speed that up.

If the refund fails, for example because the balance was already paid out, the payment is marked with the failure and you can retry.

Fees

• VinGate's per-payment fee is taken when the payment is charged and is not returned automatically on a refund.
• Processor fees follow the processor's own rules; many do not return them on a refund.
• Nothing is charged for issuing a refund through VinGate.

Chargebacks

A chargeback is the buyer's bank taking the money back, not a refund, and it has its own deadline and evidence flow. Respond from your processor dashboard and route the evidence through the processor; VinGate records the dispute and keeps the payment marked so you can find it.

If a dispute is won the money returns to your account and the payment is reinstated. If it is lost, treat it like a refund with no fee returned.

Plan charges from VinGate

• The one-time $399 integration fee is refundable within 14 days if no live payment has been taken on the account.
• Monthly plan charges are not refunded for a period already started. Cancel instead and the plan runs to the end of the paid period.
• A renewal charged after you cancelled, or a charge after a duplicate upgrade, is refunded in full.
• Write to support@vinnapayments.com within 30 days of the charge.

Buyers

A buyer who wants a refund should ask the business they paid. If they cannot reach it, we will pass the request on, but the decision and the money remain with that business.