B. Shared Payment, Confirmation and Refund Policy
1. Full payment and authorized currency
Payment must be made in full. No deposit, partial payment, installment plan or internal credit is offered.
The payment method determines the charged currency:
- MonCash, NatCash and bank transfer: the authoritative HTG amount for the selected offer;
- Stripe/card and PayPal, only when an approved online method is enabled for the offer: the corresponding authoritative USD amount for the selected offer.
Language, location, device or browser values can never change the price or currency. The applicable amount is read server-side from the saved offer snapshot.
2. Manual payments
For MonCash, NatCash or bank transfer:
1. the website saves the registration; 2. it creates a unique reference and a pending payment for the applicable HTG amount; 3. it displays the reference and next step; 4. it may then open WhatsApp so Edou Jay can provide payment instructions privately; 5. the payment remains pending until Edou Jay verifies receipt; 6. only that protected verification can mark the payment paid and confirm the registration or package.
MonCash, NatCash and bank-account credentials are never published on the website. Opening WhatsApp or sending proof does not confirm anything by itself.
3. Online payments, when enabled
When enabled for the selected offer, Stripe and PayPal use the authorized USD amount for the saved offer. A PayPal approval, card authorization or return to the website is not enough. Payment must be verified server-side with the provider before any confirmation.
If the provider reports that payment is still processing, the record remains pending. The customer must follow the status and next steps shown by the website and must not make a second payment unless a new attempt is explicitly offered.
Stripe/card or PayPal must not be presented as available and must not accept live payment until every applicable gate has been verified: real merchant account, production domain, return URL, capture and webhooks, active policies, provider capabilities, protected secrets and end-to-end testing.
4. Active lifetime and expiration of an unpaid saved registration and its pending payment
By default, a saved but unpaid registration and any linked pending payment remain active for 72 hours from the initial registration save. When a configured offer registration or payment deadline occurs earlier, that earlier deadline applies. In other words, registration_expires_at is the earlier of: registration_saved_at + 72 hours, or the applicable earlier offer deadline.
When a payment attempt is later created for that saved registration, it must not reset or extend the lifetime that already applies. Its effective expiration must never exceed the existing unpaid-registration expiration or an earlier applicable offer deadline.
A future offer may use a different active lifetime only when that different rule is explicitly approved in its configuration or applicable policy version. The 72-hour rule must not override a future approved rule. The review and pending-status screens display the expiration that actually applies.
Creating a reference, payment attempt or new pending status does not extend expiration. At expiration, the unpaid registration or payment attempt may be closed without confirmation according to the offer configuration.
The 90-day retention period for an abandoned or unpaid registration begins after expiration or cancellation. It is a record-retention period, not an extension of the 72-hour active lifetime.
A manual payment received or claimed after expiration never confirms the offer automatically. Edou Jay must verify the payment and revalidate offer eligibility. If the offer can no longer be honored, the received amount is refunded through the original method and charged currency where possible; it is not automatically converted into credit or transferred to another offer.
5. Shared refund rules
Refund eligibility is the same across payment methods. The selected offer’s specific rules determine whether the customer qualifies for a full refund, partial refund or no refund.
When a refund is approved:
- it is issued to the original payment method and in the charged currency where possible;
- Edou Jay initiates it within no more than five business days after approval;
- the financial provider then controls how long the funds take to appear;
- for an approved full refund, the customer receives the full amount paid; Edou Jay absorbs provider fees that are not returned to him.
Transfers to another person and automatic credit for a future offer are not allowed unless a future policy for another offer explicitly authorizes them.
6. Errors and status disputes
If a screen, message or customer statement conflicts with the server-verified payment state, the server-verified state controls. The customer may provide their reference to edoujay@gmail.com or +509 4930 2866 so Edou Jay can review the record.
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