Refund Policy

1. Overview

Hipzap sells digital products (gift card codes, mobile airtime and data top-ups) that are delivered electronically and consumed immediately. This Refund Policy explains when and how refunds are issued, the circumstances under which a purchase is final, and your statutory consumer rights. It supplements our Terms of Service.

2. Automatic Refunds for Fulfillment Failures

If a provider (gift card brand or telecommunications carrier) cannot complete your order after your payment has been captured, our system will issue a refund automatically — you do not need to request it. You will receive a confirmation email when the refund is initiated. Automatic refunds apply when:

• The provider declines or rejects the fulfillment request
• The provider does not respond within our processing window and the order is closed as undeliverable
• A delivered top-up is rejected by the recipient carrier and reversed back to us
• A duplicate charge is detected on the same order

3. Final Sale After Successful Delivery

Because digital goods can be redeemed immediately, the following are non-refundable once delivered successfully:

• Gift card codes that have been emailed to you (whether or not you have redeemed them)
• Mobile airtime or data top-ups that have been credited to the recipient number
• Orders cancelled by you after fulfillment has already completed

4. Disputes and Order Issues

If you believe an order was charged incorrectly, delivered to the wrong recipient, or contains an unusable code, contact us at support@hipzap.net before initiating a bank chargeback. We investigate all order disputes and aim to respond within 24-48 hours. In most cases we can resolve the issue directly — re-delivering the code, refunding the difference, or coordinating with the provider on your behalf.

Filing a chargeback before contacting support delays resolution and may result in your account being suspended pending investigation.

5. Fraud and Unauthorized Transactions

If you notice a charge you did not authorize, contact us immediately at support@hipzap.net. We will work with our payment processor to investigate and, if confirmed, refund the unauthorized amount. The affected account may be temporarily restricted during the investigation to prevent further loss.

6. Statutory Consumer Rights

Nothing in this policy limits any non-waivable consumer rights you may have under applicable law, including statutory withdrawal periods in the European Union, the United Kingdom, or other jurisdictions. Where local law provides a stronger right than this policy, the local law applies.

7. How Refunds Are Processed

Approved refunds are returned to the original payment method only — we cannot redirect refunds to a different card, account, or wallet.

• Timing: most refunds appear on your statement within 5-10 business days after we initiate them. The exact timing depends on your card issuer or bank.
• Currency: refunds are issued in the same currency you paid in. Small differences may appear if the issuer applies a different exchange rate than the original charge.
• Fees: any transaction or currency conversion fees charged by your bank on the original payment are determined by your bank and may not be refunded by Hipzap.