PayVibeRefunds & Disputes
PayVibe is the layer that connects you with merchants and lending partners. Refunds and disputes are resolved by those partners, the way the largest pay-over-time platforms operate. PayVibe makes sure the request reaches the right place and your plan stays accurate.
Refunds are handled by the merchant
Returns and refunds follow the merchant's own return policy. You request a refund from the merchant you bought from, just like any other purchase. When the merchant approves it, the refund flows back to the financing used for that purchase.
Financing disputes are handled by your lending partner
If a dispute is about the financing itself (the amount, the schedule, or a billing error), it's handled by the banking or lending partner that approved and funded your plan, under their terms.
PayVibe orchestrates and keeps you updated
PayVibe routes your request to the right party, keeps your repayment plan in sync as a refund or adjustment is processed, and gives you one place to track the status. PayVibe does not lend, underwrite, or decide refund outcomes.
Your payments while a dispute is open
Continue following your existing plan unless your lending partner tells you otherwise. Once a refund or adjustment is confirmed, your balance and remaining payments are updated automatically.
How to start a refund
- 1Contact the merchant you purchased from and request a refund under their return policy.
- 2If it's about your financing (amount, schedule, or a billing error), contact your lending partner shown on that plan.
- 3Track the status from your PayVibe dashboard. Your balance and remaining payments update automatically once a refund or adjustment is confirmed.
This page is maintained by PayVibe to explain how refunds and disputes work across our partners. It is not legal advice, and the specific terms of any refund or dispute are set by the merchant or lending partner involved.