Refund Policy
Munify Corporation (“Munify”, “we”, “us”) acts as the merchant of record for transactions funded through Munify-issued payment cards and accounts.
1. Eligible Refunds
Refunds may be issued in the following circumstances:
- Unauthorized transactions
- Duplicate transactions
- Transactions processed for an incorrect amount
- Transactions that failed to complete but resulted in a debit
- Transactions where services were not delivered due to a technical or operational error attributable to Munify
2. Non-Eligible Refunds
Refunds are generally not available for:
- Authorized and completed card transactions
- Customer dissatisfaction with third-party merchants
- Buyer’s remorse
- Changes in foreign exchange rates after transaction settlement
3. Refund Request Process
Refund requests must be submitted to Munify support at support@munify.ai within 30 days of the transaction date. Munify may request additional information to investigate the claim.
Munify reserves the right to deny refund requests that do not meet the eligibility criteria described above.
4. Refund Processing Timeframes
Approved refunds will typically be processed within 5–10 business days after approval. Actual posting times may vary depending on the card network, issuing bank, and payment method.
5. Fees
Fees charged by Munify, including but not limited to:
- Card issuance fees
- Transaction fees
- FX fees
are non-refundable, except where required by applicable law.
6. Disputes and Chargebacks
Cardholders retain the right to dispute eligible transactions under applicable card network rules. Munify will cooperate with issuing banks and card networks in the investigation and resolution of disputes and chargebacks. Final determination is subject to card network rules.
7. Fraud Prevention and Abuse
Munify reserves the right to suspend or restrict accounts exhibiting patterns of refund abuse, fraud, or misuse.