Order Cancellation Policy

Effective Date Fri, Sep 6, 2024

Last updated Fri, Sep 6, 2024.

Thank you for using Pay4Me App. We understand that sometimes you may need to cancel an order, and we want to make sure that you understand our refund policy.

IF YOU DO NOT AGREE WITH THE TERMS OF THIS REFUND POLICY, PLEASE DO NOT USE OUR WEB OR MOBILE APPLICATION FOR PAYMENTS.

  1. You have the right to cancel your order at any time for any reason. However, please note that certain orders cannot be canceled once they have been sent for processing.
  2. Pay4Me has the right to cancel an order for any reason or no reason. 
  3. Refund charges for the service paid are 3% of the total fee (For Nigerians) while for other countries the charge is 5% of the total payment made through our processor. We will only be refunding the balance after the deduction into your initial means of payment.
  4. We cannot refund the total payment made because our payment processor charges the fees on transactions as  when the customers initiate the payment orders.
  5. To confirm an order can be canceled and refunded, customers must send a cancellation and refund request to [email protected] with the Pay4Me transaction order number stated in the request email. Customers must receive an approval email from Pay4Me, before canceling the order.
  6. If a customer makes a double payment outside of Pay4Me before receiving such cancellation or refund approval, Pay4Me will not be responsible for any payments or expenses incurred by the customer, and the customer will be responsible for working with their vendors, merchants, or institutions to process such refunds directly to them
  7. Please note that refunds will be processed within 1 - 2 working days after cancellation of your order.
  8. Working days are Monday - Friday, excluding bank and public holidays.
  9. Refunds may be processed back to the original payment method or your Pay4Me Wallet.
  10. Certain refunds may be sent back to the original payment method in which the initial payments were made. If your funds are sent back to the original form of payment, it may take 2 - 10 business days to process. Please note that we do not have any control over this timeline.
  11. Any pending order with issues from the customer with no response/ not resolved within 6 hours will be canceled and a 3% cancellation fee will be deducted from the processing payment for Nigerians and 5% payments for Other Countries.

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Pay4Me is a financial technology company making it easier for international students to pay their tuition and fees abroad. We offer our products and services in partnership with licensed money transmitters, financial technology companies (fintechs), and banking partners in their respective jurisdictions. All trademarks, logos, and brand names are the property of their respective owners. All company, product, and service names used on this website are for identification purposes only. Use of these names, trademarks and brands do not necessarily imply endorsement.

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Study abroad loan services in Nigeria are offered in compliance with applicable state money lending regulations, under a valid State Money Lenders License, through our wholly owned subsidiary, Monivest Technologies Limited. Our in-house loan products and other study abroad loan products are facilitated through partnerships with licensed banks, fintechs, and financial technology companies, ensuring secure, accessible, and reliable lending solutions.

Savings and investment services in Nigeria are provided through our wholly owned subsidiary, Monivest Cooperative Multipurpose Society Limited, which is duly licensed and registered under the cooperative society laws of Lagos State, with registration number 19619. This entity operates in full compliance with Nigerian cooperative regulations, offering safe and legally regulated opportunities.

Pay4Me, Inc. is registered with FinCEN in the United States as a Money Services Business with MSB Registration Number: 31000231163752. Pay4Me, Inc. holds a pre-approved Money Services Business (MSB) registration with FINTRAC in Canada. Pay4Me also maintains a Special Control Unit against Money Laundering (SCUML) registration with the Economic Financial Crime Commission (EFCC) in Nigeria.

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