Refund Policy

Last Updated: 3 August 2026

This Refund Policy explains what can and cannot be returned when you use ZikCards, operated by Rab Technologies & Traders LLC.

The short version: fees are spent, money is not. Charges for a service we have already performed are not refundable. The money in your account remains yours.

1. Deposits

Your account is funded by sending stablecoin to a deposit address shown in your dashboard. Once the network confirms the transfer, the amount becomes your available balance.

A confirmed deposit cannot be reversed back to the wallet it came from, because transfers on these networks are one-way and final. This is a property of the networks, not a restriction we apply — and it does not mean the money is lost. See sections 3 and 4.

Sending an unsupported asset, or sending on a network other than the one the deposit address was issued for, may result in funds that cannot be credited or recovered. Check the network before sending.

2. Fees

We charge a fee to create a card and a fee to load one. These are earned when the service is performed — at the moment the card is issued, or the moment funds move onto it — and are not refundable afterwards.

Current fees are listed on our pricing page. This policy deliberately does not repeat them, so that the two can never disagree.

3. Card balances

Money loaded onto a card stays yours. Closing a card returns its remaining balance to your wallet in full, at any time, with no charge for closing.

Spending reduces the balance in the ordinary way. What is left is always returnable.

4. Withdrawals

Your wallet balance can be withdrawn to an address you control. Withdrawals are reviewed before being sent, so they are not instant, and network fees apply as shown at the time of the request.

Withdrawals are only sent to the account holder. We do not send funds to third parties.

5. When we will refund a fee

We will return a fee where the service was charged for but not delivered:

You were charged for a card that was never issued

A card could not be issued because of a technical fault on our side

You were charged more than once for the same action

In each case, contact support with the transaction reference and we will investigate.

6. When we will not

Fees are not returned because:

You changed your mind after creating or loading a card

A merchant declined the card, or does not accept virtual cards

You sent funds on the wrong network, or sent an unsupported asset

An account was restricted following a breach of our Acceptable Use Policy

None of these affect your balance, which remains available under sections 3 and 4.

7. Disputed or unauthorised transactions

If you see a card transaction you did not authorise, freeze the card in your dashboard and contact support immediately. We will investigate with our card issuer and, where the transaction is confirmed unauthorised, pursue it through the card network's dispute process on your behalf.

Report it within 24 hours of the transaction. Our card issuer requires disputes to be raised within 24 hours, which is far shorter than the deadline most cards allow. A transaction reported after that window may not be recoverable, whatever the circumstances.

Because of that deadline, do not wait for a reply before telling us. Freeze the card and email support@zikcards.com straight away, at any hour and on any day — the clock runs from the transaction, not from when we answer.

8. Chargebacks

Filing a chargeback without contacting us first may lead to your account being restricted while it is investigated.

9. How to request a refund

Email support@zikcards.com with:

The email address on your account

The transaction reference

What happened, and what you expected to happen

We aim to respond within one business day. Unauthorised card transactions are the exception — those must reach us within 24 hours of the transaction, so send them immediately rather than waiting for business hours.

10. Changes to this policy

We may update this policy. Changes are posted here with a revised “Last Updated” date. Fees themselves are not part of this policy and may change independently — see the pricing page.

11. Contact

Rab Technologies & Traders LLC
Email: support@zikcards.com