결제, 환불 및 지불거절(차지백) 정책

1. 개요

This policy explains how billing works on mobilerings.net, how Auto Top-Up plans and refunds work, and the steps you should take to resolve a billing concern with us before initiating a chargeback with your bank or card issuer. By purchasing a Top-Up, a Bundle or an Auto Top-Up plan on mobilerings.net, you agree to the terms set out below. This Policy should be read together with our Terms & Conditions, in particular Section 10A (Auto Top-Up Plans) and Section 12 (Refunds and Troubleshooting).

모든 구매는 결제 시 별도로 표시되지 않는 한 유로(€)로 처리됩니다. Visa와 Mastercard를 사용하실 수 있습니다. 결제는 당사의 승인된 결제 대행사인 SMART OUTSOURCING SERVICES S.R.L.이 안전하게 처리합니다. 모든 거래는 토큰화되며 PCI-DSS 기준을 준수하여 처리됩니다. CODIXERA LIMITED는 카드 정보 전체를 저장하지 않습니다.

2. 결제 및 잔액 이용 방식

You pay for each Top-Up or Bundle at checkout by Visa or Mastercard; the total price shown at checkout is the amount charged. We do not offer a stored balance or wallet. The only amounts we hold before delivery are payments for Auto Top-Up plans, described in Section 4.

3. Account Closure

If your account is closed, by you or by us, any Top-Up or Bundle already delivered is final. Any Auto Top-Up plan ends, and the price of instalments not yet delivered is refunded under Section 4.3. We do not forfeit customer funds, except where we are required by law to withhold them.

4. Refunds and Auto Top-Up

4.1 Individual orders. Once a Top-Up or Bundle has been successfully delivered, it is final and non-refundable, except as set out in Section 12 of our Terms & Conditions, which lists the eligible and non-eligible scenarios.
4.2 Auto Top-Up plans. Auto Top-Up is a prepaid plan. At checkout you choose a Recipient Number, a Top-Up or Bundle, a delivery schedule (for example weekly or monthly) and the plan length, and you pay the total price for the whole plan in a single card payment. We then deliver the Top-Up or Bundle to the Recipient Number on each scheduled date; each delivery is a separate instalment. No stored balance is created. See Section 10A of our Terms & Conditions.
4.3 Cancellation and undelivered instalments. You may cancel an Auto Top-Up plan at any time, free of charge, through your account settings or by emailing [email protected]. Cancellation takes effect immediately for future instalments. We will refund the price of all instalments not yet delivered to your original payment method within 5 business days of cancellation. Instalments already delivered are final under Section 4.1.
4.4 Technical issues and refund method. If a technical issue prevents a Top-Up or Bundle (or an instalment of a plan) from being delivered despite a successful charge, we will refund the corresponding amount to your original payment method within 5 business days of approving the refund; funds normally appear within 5–10 business days, depending on your card issuer. Where a refund to the original payment method is not possible (for example, the card has been closed), we will refund by bank transfer after verifying your details.

5. 결제 관련 고객지원

계정에 청구된 금액과 관련하여 문의나 우려 사항이 있으시면, 지불거절(차지백) 신청 등의 추가 조치를 취하시기 전에 먼저 저희에게 문의해 주시기 바랍니다. Top-Up 누락, 인식되지 않는 청구, Auto Top-Up 관련 문의 등 대부분의 결제 문제는 저희 팀과 직접 소통하시면 신속하게 확인하고 해결해 드릴 수 있습니다.

결제 관련 문의는 [email protected]으로 이메일을 보내 주시고 다음 정보를 함께 알려 주십시오.

• the email address associated with your MobileTopUP account;
• 구매한 대략적인 날짜 및 시간
• 청구된 금액 및 통화
• 해당되는 경우, Recipient Number 및 통신사/국가 정보
• a screenshot or copy of your payment confirmation or bank statement line showing the charge.

정확하고 완전한 정보를 제공해 주시면 문의 사항을 최대한 신속하게 조사하고 답변드릴 수 있습니다.

6. 응답 소요 시간(SLA)

저희는 모든 결제 및 지불거절(차지백) 문의를 접수일로부터 영업일 기준 2일 이내에 확인하고, 필요한 모든 정보(제5조)를 받은 날로부터 영업일 기준 10일 이내에 해결하거나 결론을 내리는 것을 목표로 합니다.

7. 지불거절(차지백)

You may contact your bank or card issuer at any time; you are not required to contact us first. We encourage you to contact us through the process in Section 5, as this is usually the fastest way to resolve a billing concern. If a chargeback is initiated for a charge that was properly authorised and for which the Top-Up or Bundle was successfully delivered, or for which we have already provided a resolution under this Policy, we may contest the chargeback with the card issuer. If a payment for an Auto Top-Up plan is disputed, we may suspend delivery of the plan’s undelivered instalments while the dispute is under review.