Refund & Dispute Policy

1. Scope

This Refund and Dispute Policy applies to transactions processed through Stratos Fintech (Private) Limited's platforms on stratosfin.pk once they are live and licensed by the State Bank of Pakistan. At present, no live payment services are being offered. This Policy is published in advance to outline intended practices for sub-merchants and customers, including automated transaction reversion latency targets (T+2 to T+3 business-day style timelines where applicable).

2. Eligibility for Refunds

• Duplicate or erroneous transactions caused by a technical fault on our platform.
• Unauthorised transactions (subject to investigation).
• Failed transactions where funds were debited but not delivered to the intended recipient.

Refunds are not applicable for correctly authorised and processed transactions.

3. How to Raise a Dispute

• Email support@stratosfin.pk with subject "Transaction Dispute".
• Include full name, contact number, transaction date, amount, reference number and description.
• Attach supporting documentation (screenshots, bank statements).

4. Investigation & Resolution Timelines

• Acknowledgement: within 48 business hours.
• Initial response: within 5 business days.
• Resolution aim: 7–10 business days; complex cases up to 30 days.

5. Refund Processing

Approved refunds will be credited to the original payment method or source account within 3–7 business days after the resolution decision, subject to bank processing times. No fee will be charged for processing a valid refund.

6. Escalation

If you are not satisfied with our resolution, you may escalate to the SBP Banking Mohtasib or the relevant consumer protection authority, as applicable once our payment services are live.

7. Contact

support@stratosfin.pk
CEO desk: +92 316 4876242