1. General Principle
iBonusPAY provides digital products, Gift Cards, recharge, bill-payment and other electronic services. Because many such transactions are processed immediately or result in delivery of an electronic code/service, successful transactions are generally not reversible.
2. Gift Cards and Digital Products
Once a Gift Card, Voucher or digital product has been successfully delivered, no return or cancellation will ordinarily be permitted.
However, if:
- the Gift Card/Voucher is invalid;
- delivery fails;
- the code is technically defective; or
- iBonusPAY confirms another qualifying technical failure,
the customer may receive a replacement or eligible refund after verification.
A customer is responsible for checking the product, denomination and other details before purchase.
Applicable Gift Card expiry is the customer’s responsibility.
3. Mobile Recharge
Successful mobile recharge:
No refund/cancellation.
If the recharge fails and the user’s payment has been debited, the eligible amount may be refunded to the user’s iBonusPAY Wallet after verification.
Incorrect mobile number/operator/customer information supplied by the user may not qualify for refund.
4. DTH Recharge
Successful DTH recharge is generally non-refundable.
If a transaction fails and the amount has been debited, the eligible amount may be credited to the iBonusPAY Wallet after verification.
5. Electricity, Water, Gas and Other Bill Payments
Successful bill payments are generally non-refundable and cannot ordinarily be reversed.
If a payment fails and money has been debited, the eligible amount may be returned to the iBonusPAY Wallet after transaction verification.
Users must verify biller and consumer/account information before payment.
6. Failed Transactions
If a transaction fails due to:
- technical failure;
- provider failure;
- system error; or
- another reason not attributable to the user’s incorrect information,
and the customer’s money has been debited, iBonusPAY will process an eligible Wallet refund after verification.
Target refund time: within 24 hours, subject to transaction confirmation and third-party/provider settlement.
7. Refund Request Period
A customer should report a failed transaction within 7 days of the transaction date.
Requests may require:
- transaction ID;
- reference number;
- registered mobile number;
- transaction date/time;
- relevant account/order information; and
- explanation of the issue.
8. Refund Method
Eligible refunds for failed transactions will generally be credited to the user’s iBonusPAY Wallet.
The Wallet refund is not automatically a reversal to the original payment instrument.
9. Wallet Top-Up
A successful Wallet top-up adds money to the user’s iBonusPAY Wallet.
Wallet balance may be used according to the Wallet Terms and, where eligible, may be withdrawn subject to applicable withdrawal rules, fees, limits and verification.
A Wallet withdrawal is not treated as a product refund.
10. Diamonds
Diamonds are reward/promotional units and are not cash.
Where a purchase involving Diamonds is reversed/refunded, the Diamond component will be handled according to the applicable transaction rules and system records.
Diamonds cannot be converted into cash merely because an account is closed.
11. Fraudulent or Abusive Refund Requests
iBonusPAY may reject or investigate requests involving:
- fraudulent claims;
- duplicate refund claims;
- manipulated transaction records;
- unauthorized account activity;
- abuse of promotional schemes; or
- false information.
12. Policy Changes
iBonusPAY may update this Refund & Cancellation Policy from time to time.
The latest version published on the Platform will apply to transactions made after its effective date, subject to applicable law.
13. Contact
Email: info@ibonuspay.com
Last Updated: August 2026