Refunds and returns of funds

Customer payments go directly to the merchant receiving wallet. The merchant controls its signing keys and any return of funds. BramaPay does not automatically debit that wallet or send a refund, and a checkout cancellation cannot reverse an on-chain transfer.

Before arranging a refund

1. Stop further payment attempts. Do not send again or pay a difference while the original transfer is unresolved.
2. Find the order and session in the merchant's Payment requests view, in the correct project and Test/Live mode. Check its attempts, winning attempt, receipts and current monitoring/finality state. A transfer sent before the deadline may still confirm later.
3. Compare the transaction hash, actual chain, token contract, destination, exact amount and chain timestamp with the saved attempt. A hash or screenshot alone does not establish which order the payer intended. Unattributed candidates can belong to another order.
4. The customer should contact the merchant with the order/session reference, network and transaction hash. BramaPay support can help investigate status; never send wallet recovery phrases, API secrets or a complete checkout capability URL.

An incorrect, partial, late or additional transfer does not automatically pay the order or become eligible for a refund. Current partial transfers do not accumulate. A matching additional receipt does not authorize a second fulfillment. See payment problems and session deadlines.

If the merchant agrees to return funds

The merchant must independently verify the recipient, return address, network, token and amount through its own support process. Do not assume the sending address can receive a return: exchange or intermediary addresses may have different deposit requirements. Agree on any network fees and record the decision and return transaction against the original order.

Any return is a separate transaction authorized from the merchant's wallet. A receipt review or transfer-check action investigates/reconciles payment evidence; it is not a refund, automatic debit, force-match or manual paid switch. BramaPay does not promise recovery of unsupported-token or wrong-network transfers, a refund deadline, or an automatic refund of service fees or funded service balance. Those are separate from the customer's payment.

Keep the original payment and return records separate. Continue to verify order status; do not rewrite the original payment evidence or fulfill twice because a return was requested.