Refund and Cancellation Policy

Legal review required: Replace every bracketed item with terms that match the provider agreement, processor rules and actual money flow. Do not promise automatic or full refunds unless the system and contracts support that outcome.

Before submission

You may cancel before selecting “Authorize Payment.” After authorization, we begin processing the request and cancellation may no longer be available.

After submission

Contact support immediately at payboostbill@gmail.com or [INSERT SUPPORT NUMBER]. We will make reasonable efforts to stop an unposted transaction, but we cannot guarantee cancellation after it has been submitted to a payment network or biller.

Failed transactions

If a transaction fails and a charge was captured, any eligible refund will be issued to the original payment method according to [PROCESSOR/PROVIDER RULE]. We will not send a refund to a different card, bank account or person.

Posted payments and customer errors

Payments reported as posted generally cannot be reversed by Phone Bill Pay. Payments sent using an incorrect phone number or amount may also be nonrecoverable. Contact us promptly and we will explain the available options.

Service fees

[STATE WHETHER THE SERVICE FEE IS REFUNDABLE, PARTIALLY REFUNDABLE OR NONREFUNDABLE, AND UNDER WHAT CONDITIONS.] This must be displayed before checkout and must match processor and state-law requirements.

Refund timing

Approved refunds are initiated within [X] business days. Your bank or card issuer may require additional time to display the credit. Timing estimates are not guarantees.

Disputes and unauthorized activity

Contact us promptly if you believe a transaction was unauthorized. You may also have rights through your card issuer or financial institution. Nothing in this policy limits nonwaivable consumer rights.