Refunds & Withdrawal Rights

1. Digital Goods and Finality

Files sold on payable.link are digital goods. Once blockchain payment is confirmed and access is granted or made available, purchases are generally final and non-refundable.

Checkout includes explicit consumer confirmations for immediate digital performance and, where legally applicable, acknowledgment of withdrawal right loss once performance begins.

Blockchain transactions are irreversible by design. We cannot reverse, claw back, or cancel completed on-chain transfers.

Where checkout records valid consent to immediate digital performance and acknowledgment of withdrawal-right loss, requests based solely on regret, preference changes, or post-access dissatisfaction are not eligible for refund.

2. Withdrawal Rights (EU Consumers)

EU consumers generally have a statutory right of withdrawal for distance contracts within 14 days. For digital content not supplied on a tangible medium, that right can expire early where legally valid checkout confirmations are provided for immediate performance and withdrawal-right loss upon commencement.

Where those confirmations are validly captured and digital performance has started (including access release, token issuance, decryption availability, or download enablement), withdrawal is no longer available for that purchase, subject to mandatory non-waivable rights.

payable.link may retain consent and fulfillment evidence linked to the transaction for entitlement verification, compliance, and dispute handling.

3. Limited Cases We May Review

While refunds are not guaranteed, we may review requests in limited circumstances such as:

• Duplicate charges for the same item caused by a platform-side error.
• Proven technical failure where access was never deliverable and could not be restored in a reasonable time.
• Fraud signals or unauthorized activity confirmed after investigation.
• Legal requirement in a jurisdiction that cannot be disclaimed.

Any refund review is exceptional, evidence-based, and decided in our sole discretion, subject only to non-waivable legal obligations.

Submission of a request does not suspend finality, does not create an entitlement to reimbursement, and does not alter access controls unless and until a written decision is issued by payable.link.

4. Non-Refundable Situations

• Buyer changed mind after successful purchase.
• Buyer incompatibility with local software/hardware setup.
• Failure to read listing details before purchase.
• Wallet errors, gas settings, network congestion, or user-side key compromise.
• Claims made after substantial access, download, or use of the file.
• Requests inconsistent with recorded checkout consent, including acknowledgment of withdrawal-right loss where performance has begun.
• Content removals, moderation actions, or account restrictions taken for legal, policy, security, abuse, or sanctions reasons.

5. Seller and Platform Roles

payable.link provides the transaction and access infrastructure. Depending on listing context and applicable law, the seller may remain primarily responsible for content quality, scope, and representations.

We may facilitate communication or remediation, but we do not guarantee refunds for creator disputes unless required by law or expressly approved in writing.

As between marketplace participants, sellers are primarily responsible for refund principal connected to their listings. payable.link may, in its sole discretion, return, waive, or credit only platform-fee components for goodwill, risk management, or legal compliance.

Where payable.link pays any amount related to a seller dispute, we may recover that amount from the seller through offset, recoupment, or deduction from current or future earnings, to the maximum extent permitted by law.

6. How to Request Review

Send requests to contact@payable.link within 14 calendar days of purchase and include:

• Transaction hash
• Wallet address used for purchase
• File link/slug and purchase timestamp
• Detailed issue description and supporting evidence
• Any information reasonably required for fraud, abuse, and entitlement review.

Missing or inaccurate details may delay or prevent review.

7. Investigation and Resolution

We may request additional information, run security checks, and review technical logs. Decisions may include denial, re-delivery of access, or a discretionary refund/credit where technically and legally feasible.

Review may include analysis of linked wallets/accounts, transaction patterns, behavioral signals, and other integrity controls to detect self-dealing, collusion, wash activity, and policy abuse.

If approved, refunds are typically made in USDC or an equivalent method we select, net of non-recoverable third-party costs where allowed by law.

Approved refunds may be full, partial, or substituted by access restoration or technical remediation, depending on facts, legal obligations, and technical feasibility.

8. Abuse, Chargebacks, and Fraud

We may deny requests that are abusive, fraudulent, or inconsistent with this policy. We reserve rights to suspend accounts, block wallets, preserve evidence, and cooperate with law enforcement.

Repeated abusive refund behavior, fabricated claims, or contradictory statements against recorded purchase/consent evidence may result in permanent account or wallet restrictions and additional legal action.

Refund controls may be unavailable, delayed, or overridden where integrity systems detect elevated abuse risk or where legal/sanctions constraints apply.

9. Policy Updates

We may modify this policy at any time. Changes apply prospectively when posted, unless required otherwise by law.

Mandatory statutory rights that cannot be waived under applicable law remain unaffected.