LEGAL
Refunds & Disputes
Last updated 2026-07-24
This policy covers refunds and disputes for payments taken through Harmoney — tap cards, payment links, invoices, and storefronts. Because every sale settles directly to the merchant’s own account, refunds are issued by the merchant you paid, using Harmoney’s tools.
1. Refunds for customers
The merchant you paid is the seller of record and sets the refund terms for their goods and services. If you need a refund, contact the merchant first — their details are on your receipt.
When a merchant issues a refund, it returns to your original payment method. Refunds are processed by Stripe and typically appear within 5–10 business days depending on your bank.
2. Refunds for merchants
You can refund any payment, in full or in part, from your dashboard for up to 180 days after the sale. Harmoney’s platform fee on the refunded amount is returned; Stripe’s processing-fee treatment follows Stripe’s standard policy.
Issue refunds promptly when they are due. A pattern of refused legitimate refunds can lead to disputes, which cost more than the refund.
3. Disputes & chargebacks
If a customer disputes a charge with their bank, the dispute is handled through Stripe’s dispute process. We notify you in the dashboard, and you can submit evidence (receipts, booking records, delivery confirmation) before the network deadline.
While a dispute is open the disputed amount may be withheld per Stripe’s rules. If the dispute is lost, the amount plus the network’s dispute fee is deducted from your account.
4. Errors & unauthorized taps
If you believe a payment was taken in error — wrong amount, duplicate tap, or a card programmed incorrectly — contact the merchant, or reach us at support@harmoney.com and we will help route it. Unauthorized use of a payment method should also be reported to your bank.
5. Contact
Harmoney support: support@harmoney.com. We respond to refund and dispute inquiries within 2 business days.