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Refund & Dispute Policy

⚠️ DRAFT DOCUMENT — PENDING FINAL CORPORATE COUNSEL REVIEW
Last Updated: October 26, 2026 • Version: 1.0-draft
Canonical Reference: https://lifecycle.pcnaid.com/apple-pay/legal/refunds

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1. Overview & Two-Tier Structure

This policy addresses two distinct refund and dispute categories: (a) Merchant subscription fees paid to Pcnaid for software access; and (b) End-consumer transaction refunds and chargebacks processed on Merchant storefronts.

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2. Merchant SaaS Subscription Refunds

Subscription fees for Pcnaid Lifecycle Manager (Starter at $49/mo, Pro at $99/mo) are billed monthly in advance and are generally non-refundable once an active billing cycle has begun.
  • White-Glove Onboarding: The optional $500 one-time white-glove onboarding fee is subject to refund terms that are pending counsel review.
  • Cancellation: You may cancel your subscription at any time through the dashboard settings. Cancellation takes effect at the conclusion of the current monthly billing period with no penalty fees.

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3. End-Consumer Transaction Refunds

Refunds for retail goods or services purchased by end-consumers using Apple Pay on Merchant storefronts are managed by Merchant:
  • Execution: Merchant may initiate full or partial refunds directly from the Pcnaid Lifecycle Manager dashboard or through their native e-commerce admin (Shopify).
  • Processing: Refunds are processed by Stripe Connect back to the consumer’s original Apple Pay payment method (Device Account Number).
  • Application Fees: When a transaction is refunded, Stripe’s card processing fees and Pcnaid’s platform application fee policies mirror standard payment network conventions.

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4. Chargebacks & Dispute Management

In the event an end-consumer files a payment dispute with their issuing bank:
  • Dispute Notifications: Active disputes appear immediately in the merchant dashboard with response deadline countdown timers.
  • Evidence Submission: Merchant may submit receipts, fulfillment tracking, and customer correspondence directly through the integrated dispute management portal.
  • Biometric Protection: Disputes alleging unauthorized fraud are evaluated against Apple Pay biometric liability shift records provided by the card network.

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5. Contact

For billing and dispute inquiries, contact billing@pcnaid.com.