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Refund Policy

Last Updated: March 2026

Eligibility for Refunds

A transfer may be cancelled and refunded only if:

  • The funds have not yet been paid to the recipient
  • The transaction has not been processed by payout partners

Refund Processing

Refunds may be issued to the original payment method and may be subject to:

  • Transfer fees
  • Exchange rate differences
  • Bank processing times

Non-Refundable Transactions

Transfers cannot be reversed if:

  • The recipient has already received the funds
  • The transaction was completed successfully with correct information
  • Fraud or misuse is suspected

Processing Time

Refunds typically take 3–10 business days, depending on banking partners.

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91 Payments provides international money transfer services through regulated financial partners and subject to regulatory compliance requirements. Registered with the Central Bank of Nigeria (CBN), FinCEN (USA), and FINTRAC (Canada).