Payment & Refund Policy

Payment Processing

NYVA Payments is built on the Whop platform, which provides all payment processing services. By using NYVA Payments, you agree to the payment terms of both NYVA Payments and Whop’s Terms of Service.

Accepted Payment Methods

We accept the following payment methods for funding your NYVA Payments account:

• Credit cards (Visa, Mastercard, American Express)
• Debit cards
• Bank transfers (ACH, wire transfer, and local payment methods depending on your region)
• Other payment methods as made available through Whop

Available payment methods may vary by country and are subject to change.

Transaction Fees

Standard Fees

NYVA Payments charges the following fees (subject to change with notice):

• Account Top-ups: Varies by method
• Internal Transfers: Free for verified users
• Cross-Border Payments: Competitive rates with currency conversion
• Withdrawals: Varies by method and destination

Third-Party Fees

In addition to NYVA Payments fees, you may incur fees charged by:

• Whop and its financial partners for payment processing
• Your bank or card issuer for using their services
• Intermediary banks for cross-border transfers
• Currency conversion providers

We will display total fees before you confirm a transaction, but we are not responsible for fees charged by third parties outside our control.

Currency Conversion

When you perform a cross-border transaction, currency conversion is handled by Whop and its financial partners. Exchange rates are determined at the time of the transaction and may include a markup. The final amount debited or credited may vary slightly from the estimated amount due to exchange rate fluctuations.

Transaction Processing Times

• Account Top-ups: Instant to 3 business days (depending on payment method)
• Internal Transfers (Verified Users): Instant
• Pending Credits (Unverified Recipients): Credited upon completion of KYC verification
• Cross-Border Payments: 1–5 business days (depending on destination country)
• Withdrawals: 1–5 business days (depending on withdrawal method)

Processing times are estimates and may be longer during weekends, holidays, or due to banking system delays.

Failed Transactions

A transaction may fail due to:

• Insufficient funds in your account or payment method
• Incorrect recipient information
• Bank or payment processor rejection
• Fraud prevention measures
• KYC verification issues

If a transaction fails, we will notify you and may return funds to your account or original payment method. We are not liable for losses due to failed transactions.

Refund Policy

Eligibility for Refunds

Refunds may be issued in the following circumstances:

• Duplicate charges: If you were charged twice for the same transaction
• Unauthorized transactions: If your account was compromised (subject to investigation)
• System errors: If funds were debited due to a technical error
• Undelivered services: If a transaction did not complete as intended

Non-Refundable Transactions

The following are generally not eligible for refunds:

• Completed transfers to verified recipients (unless the recipient agrees to return funds)
• Transactions where you entered incorrect recipient information
• Transaction fees charged by NYVA Payments, Whop, or third parties
• Changes in currency exchange rates after a transaction is completed
• Buyer’s remorse or change of mind

How to Request a Refund

To request a refund:

1. Contact our support team at support@nyvapay.com within 30 days of the transaction
2. Provide your transaction ID, date, amount, and reason for the refund request
3. Our team will investigate and respond within 5–10 business days

If approved, refunds will be issued to your NYVA Payments account or original payment method within 5–10 business days.

Chargebacks and Disputes

If you dispute a charge with your bank or card issuer (a “chargeback”), please note:

• We will work with you and the payment processor to resolve the dispute
• Your account may be temporarily suspended pending investigation
• Frivolous or fraudulent chargebacks may result in account termination
• We may charge fees for chargeback processing as allowed by Whop’s terms

We encourage you to contact us first before initiating a chargeback so we can resolve the issue directly.

Account Holds and Reserves

We may place holds on funds in your account:

• To comply with legal or regulatory requirements
• If suspicious activity is detected
• To cover pending chargebacks or disputes
• If your account is under investigation

We will notify you of any holds and the reason for them. Held funds will be released once the issue is resolved.

Taxes

You are responsible for determining and paying any applicable taxes on your transactions. NYVA Payments does not provide tax advice. Please consult a tax professional for guidance.

Changes to Fees and Policies

We reserve the right to modify our fees and refund policy at any time. We will provide at least 30 days’ notice before any fee increases take effect. Continued use of the Services after changes constitute acceptance of the updated fees.

Contact Us

For questions about payments, fees, or refunds, please contact:

Customer Support
NYVA Payments
Email: support@nyvapay.com
Website: nyvapay.com