Refund Policy

1. Eligible cases

• You were debited but the payment status is failed or pending after 24 hours.
• You paid twice for the same item by mistake.
• You paid the wrong association or purpose and the recipient confirms they have not disbursed the funds.

2. Non-refundable cases

• Payments already released to the receiving association or department.
• Change of mind after a service, event, or good has been delivered.
• Third-party gateway fees where the payment was completed successfully.

3. How to request a refund

Email support@emmtec.ng within 30 days of the transaction. Include your transaction reference, date, and a brief description.

4. Processing time

Approved refunds are returned to the original payment method within 5 to 10 business days, depending on your bank or card issuer.