Refund Policy
Last updated: July 28, 2026
Welcome to K-Pentag Digital's Refund Policy
This Refund Policy explains how K-Pentag Digital ("we", "us", "our") handles refunds for payments processed through our platform, including card payments, bank transfers, mobile money, invoice settlement, subscription billing, and crypto (USDT) transactions available at https://kpentagdigital.com/. This policy applies to merchants, businesses, and individuals who use our services ("you", "customer").
Important Notice
K-Pentag Digital is a payment infrastructure and processing provider. In most cases, the goods or services purchased through our platform are sold by independent merchants, and refund eligibility is determined by that merchant's own policy, not by K-Pentag Digital directly.
1. General Principle
Where K-Pentag Digital is the direct provider of a service, such as a platform subscription or API access, the terms set out below apply directly. Where we are acting only as the payment processor for a third-party merchant, refunds are subject first to that merchant's own refund or return policy.
2. Payments Made to Merchants
If you made a purchase from a business using K-Pentag Digital as its payment processor:
- Refund requests should first be directed to the merchant from whom you purchased the goods or service
- If the merchant approves a refund, we will process it back to your original payment method (card, bank account, or mobile money wallet) within 5–10 business days, depending on your bank or mobile network operator's processing times
- If a merchant is unresponsive, or you believe a transaction was unauthorized or fraudulent, you may escalate the matter to us directly for investigation
3. Subscription & Recurring Billing
For businesses using our recurring billing tools, and for K-Pentag's own platform subscription fees:
Already-Billed Cycles
Fees for the current billing cycle are generally non-refundable once the cycle has started, except where required by law
Cancellations
You may cancel a recurring subscription at any time; cancellation takes effect at the end of the current billing period
Billing Errors
Duplicate or erroneous charges caused by a technical error on our platform will be refunded in full once verified
Trial Periods
Where a free or trial period applies, no charge is made until the trial ends, unless stated otherwise at sign-up
4. Invoice Settlement Payments
Payments made through K-Pentag's invoicing tools are governed first by the terms agreed between the invoice sender and recipient. K-Pentag Digital facilitates settlement of these payments but is not a party to the underlying commercial agreement. Refunds for invoice payments must be initiated by the invoice issuer through their K-Pentag account.
5. Crypto & USDT Transactions
Due to the nature of blockchain technology, transactions settled or paid in USDT or other digital assets are generally irreversible once confirmed on-chain. Please verify wallet addresses, amounts, and network details carefully before confirming any crypto payment.
Please Note
K-Pentag Digital cannot reverse, cancel, or refund a completed crypto transaction. Where a business agrees to a refund for goods or services paid in USDT, settlement will typically occur via a new transaction to a wallet address you provide.
6. Non-Refundable Fees
The following are generally non-refundable:
- Transaction processing fees and gateway fees
- Currency conversion or FX spread charges
- Completed crypto/USDT settlements
- Fees for services already fully rendered
7. Chargebacks & Disputes
If you believe a transaction was unauthorized, fraudulent, or incorrect, we encourage you to contact us before filing a chargeback with your bank or card issuer, as this allows us to resolve most issues faster. If a chargeback is filed, K-Pentag Digital and/or the relevant merchant may submit evidence to the card network or bank to contest it in accordance with card network rules.
Fair Resolution Commitment
We investigate every dispute in good faith and aim to resolve verified issues without requiring a formal chargeback wherever possible.
8. How to Request a Refund
To request a refund or report an issue with a transaction:
- Log in to your K-Pentag Digital account and submit a request through your dashboard, or
- Contact our support team with your transaction reference number, date, and reason for the request
Verified refund requests are typically processed within 5–10 business days. Processing times to your bank or mobile money wallet may vary depending on your financial institution.
9. Changes to This Refund Policy
We may update this Refund Policy from time to time to reflect:
- Changes in our services or fee structures
- Legal and regulatory requirements
- Improvements in our dispute resolution process
We will notify you of material changes via email or through our platform at least 30 days before changes take effect.
10. Contact Information
For questions about this Refund Policy or help with a transaction, contact our support team at:
📧 Email: support@kpentag.com
📞 Phone: +1 770 309 7468
📞 Phone: +233 59 811 1416
🌐 Website: https://kpentagdigital.com/
You also have the right to lodge a complaint with the Data Protection Commission of Ghana or the relevant financial regulator if you believe a payment dispute has not been handled fairly.
Fair & Transparent Refunds
By using K-Pentag Digital's services, you acknowledge that you have read and understood this Refund Policy and agree to the refund terms described herein.