How does the refund process work (for the consumer)?

The key point here is that the transaction is between the consumer and the Retailer, and PayJustNow is the payment method. 

Some of our retail partners have the ability to process a refund to your PayJustNow instalment plan on your order directly, others send us a Refund Instruction. In both cases, this is when they (The Retailer) are satisfied that their return policy conditions have been met. 

Once our system receives the refund transaction, it will assess what the value of the refund is relative to your payment schedule. 

Please be sure to understand what the retailer's refund policy is. 

• Most brands won't deduct delivery fees from a refund value, but some do deduct delivery fees.
  
• Some brands, that offer free delivery for orders over a certain value, may charge for delivery/collection on returns. 
  
• Sadly, when this is overlooked, the first impression is that we have not properly refunded the order. 

How will you get your refund?

Introducing the PayJustNow wallet!

• Instant refund to your wallet.
• No more waiting! Funds available to spend immediately! 
• Seamless payments using funds in your wallet.

We get it—returns happen. But why should you have to wait days to get your money back? With traditional refunds, it's out of your cart and out of sight for 3–5 days. 

Say hello to the PayJustNow Wallet! ? When you process a refund, your money is back in your Wallet instantly. No more waiting. No more frustration.

Want to get back to shopping? Your Wallet balance is ready to spend across our entire PayJustNow network, right away. You can finally say goodbye to those annoying refund delays and keep the shopping spree going! 

Why wait for your own money? With PayJustNow, you don't have to.

How the refund is calculated and processed?

If your whole order is being refunded, we refund all the instalments that we have collected. For example, if you have only paid your first instalment, then we refund that instalment and cancel the outstanding (still to be collected) instalments.

If part of your order is refunded, we first cancel outstanding instalments or edit their value to match the new transaction value after the refund is applied. Only then will we refund instalments that we have collected if you are owed more for the refund than you have already paid.

What Changed?

When a refund is processed, the value refunded back to you will be credited to your PayJustNow Wallet. Instantly!

Typically, when a refund was processed, each instalment is paid back to the card that was used to make the payment. 

We refunded instantly, but in most cases the funds took anywhere from 3 to 5 days to reflect in your bank account. this is why we introduced the PayJustNow Wallet. We need to keep our operation lean, so you can continue to enjoy PayJustNow 100% Interest and Fee free!

Good to know!

 
Remember, we don't store your full bank card number, we can only process a withdrawal from your wallet if you follow the steps to add your bank account to your profile in the wallet withdrawal process.

NB: If your instalment is going to be debited whilst you are going through the refund process, you are still responsible for your payments to PayJustNow associated with that purchase until the refund is calculated and applied to your instalment plan.

1. If the store’s return policy does not allow refunds to the original form of payment? you are still responsible for your payments to PayJustNow associated with that purchase. Including, but not limited to: 
2. They only allow store credit, or
3. They have a policy to refund you directly.