Dispute Resolution Policy
📝 Dispute Resolution Policy – ZikCards.com
Last Updated: 21/11/2025
This Dispute Resolution Policy explains how ZikCards, operated by Rab Technologies & Traders LLC (“we,” “us,” or “our”), handles disputes related to virtual prepaid card purchases, account activity, or service usage.
By using ZikCards.com, you agree to follow this dispute process before pursuing any external remedies.
1. Purpose of This Policy
The purpose of this policy is to:
Resolve issues fairly and efficiently
Prevent fraud and misuse
Minimize chargebacks
Maintain transparent communication
Protect both users and ZikCards
2. Types of Issues Covered
This policy applies to disputes involving:
Billing errors
Duplicate charges
Failed card delivery
Inaccurate transaction records
Unauthorized card access
Account-related issues
This policy does not cover:
Used or activated virtual cards
Merchant declines
Transactions blocked by third parties
Failed purchases caused by user error
Refund requests outside our Refund Policy
3. How to File a Dispute
To start the dispute process, email:
📧 support@zikcards.com
Include the following:
Full name
Email associated with your account
Order ID / transaction ID
Detailed explanation of the issue
Screenshots or evidence
Proof of payment (if applicable)
Failure to provide required information may delay resolution.
4. Investigation Process
After receiving your dispute, we will:
A. Acknowledge your request
Within 24–48 hours.
B. Conduct an internal investigation
We may review:
System logs
Payment records
Delivery records
Card issuer information
Fraud checks
Relevant user actions
C. Request additional information
We may ask for:
Identity verification
Proof of payment
Screenshots
Statements from your payment provider
Explanation of specific transactions
D. Contact card issuers or processors
If required, we will coordinate with our issuing partners.
5. Resolution Timeframe
Most disputes are resolved within:
3–7 business days for simple issues
7–21 business days for complex investigations
Up to 45 days if card issuers or payment networks are involved
Timeframes depend on external factors.
6. Chargebacks Policy
If you file a chargeback without contacting us first:
Your account may be suspended
All active virtual cards may be disabled
Additional verification may be required
You may be permanently banned from ZikCards
Fraudulent or false chargebacks may be reported to:
Payment processors
Card networks
Relevant authorities
We strongly recommend contacting support before filing any dispute.
7. When a Chargeback Is Appropriate
A chargeback may be justified only if:
Your card was never delivered and you attempted to resolve the issue with support
Your payment was duplicated and not refunded
Your card cannot be activated due to a confirmed system error
Chargebacks are not valid for:
Attempted or failed transactions
Merchant declines
Cards already activated or used
Cards purchased for unsupported merchants
“Change of mind” situations
8. Possible Outcomes
After reviewing the dispute, we may:
A. Approve a refund
(Only if eligible under our Refund Policy)
B. Deny the dispute
If evidence shows:
The card was delivered
The card was accessed or used
The issue stems from user error
The issue is caused by a merchant
The dispute is fraudulent
C. Escalate to card issuers
For cases involving technical or authorization issues.
9. Arbitration Agreement
By using ZikCards, you agree that:
Disputes not resolved through support will be handled through binding arbitration
Arbitration will take place in Wyoming, USA
Each party bears its own legal costs
Court litigation is waived except for enforcing arbitration awards
(This section is optional but strongly protects your company.)
10. Governing Law
This Dispute Resolution Policy is governed by the laws of the State of Wyoming, USA.
11. Contact Information
For all dispute-related matters:
Rab Technologies & Traders LLC
30 N Gould St #29271
Sheridan, WY 82801, USA
📧 support@zikcards.com