Return & Refund Policy

1. General Policy

Sebastian Alliance Group, operating as Caribbean Payments Alliance, provides payment processing and digital wallet services. Our return and refund policy applies to all transactions processed through our platform.

2. Merchant-Specific Refunds

When you make a purchase from a merchant using Caribbean Payments Alliance:

• Each merchant sets their own return and refund policies
• You must contact the merchant directly for return or refund requests
• Refund eligibility is determined by the merchant's policies
• Return requests must typically be made within 30 days of purchase

3. Refund Processing Time

Once a merchant approves a refund:

• We process the refund within 1-2 business days
• Refunds appear on your card statement within 5-10 business days
• The exact timing depends on your card issuer
• You will receive an email confirmation when the refund is processed

4. Platform Service Fees

For wallet and API services:

• Monthly subscription fees are non-refundable
• Transaction fees are non-refundable once a transaction is processed
• You may cancel your subscription at any time (no refund for current period)

5. Digital Products & Services

For digital products and services sold through our platform:

• Refunds are available within 7 days if the product/service is defective
• No refunds for change of mind on digital purchases
• Access to digital content is revoked upon refund

6. Delivery Policy

For digital services and wallet features:

• Access is provided immediately upon successful payment
• No physical delivery required
• For physical goods sold by merchants, delivery is handled by the merchant

7. Chargebacks & Disputes

If you have a transaction dispute:

• Contact us first before initiating a chargeback with your bank
• We will work with you and the merchant to resolve the issue
• Provide your order ID and confirmation code for faster resolution
• Most disputes are resolved within 7-14 business days

8. Export Restrictions

Our services are provided for use within the Caribbean region. Export restrictions may apply to certain payment processing features based on international regulations and local laws.

9. Contact for Refund Requests

10. Business Information

Registered Country: United States of America
Mailing Address: 101 N.E. 3rd Ave, STE 1500, Fort Lauderdale, FL 33301
Supported Currencies: Multiple currencies supported (Visa partner operating in 123+ countries)
Payment Processor: Visa / MasterCard Processing