Refunds & Disputes Policy

This policy explains how CUTLARYHUB LLC (operating as Biz Invoice Pay) handles refunds, chargebacks, and payment disputes on our platform. Payment processing is provided by Stripe.

1. Seller Refund Responsibility

Each seller on Biz Invoice Pay is responsible for their own refund policy as it relates to the goods or services they sell. Biz Invoice Pay facilitates the technical processing of refunds but is not responsible for the underlying commercial dispute between sellers and their customers.

2. Issuing Refunds

Sellers can issue refunds from their Biz Invoice Pay dashboard:

• Full refunds are available within 180 days of the original payment;
• Partial refunds are also supported;
• Refunds are returned to the original payment method;
• Platform fees (4.9% + 30¢) are not refunded to the seller on disputed or refunded transactions;
• Refund processing typically takes 5–10 business days depending on the cardholder’s bank.

3. Chargebacks

A chargeback occurs when a cardholder disputes a charge with their bank or card issuer. When a chargeback is filed:

• Stripe will notify the seller via the Biz Invoice Pay dashboard;
• The disputed amount is held pending resolution;
• Sellers must submit evidence within the timeframe specified by Stripe (typically 7–14 days);
• A chargeback fee (set by Stripe, typically $15) is charged whether the dispute is won or lost;
• If the chargeback is upheld, the full transaction amount plus the chargeback fee is deducted from the seller’s balance.

4. Platform Fee Refunds

Biz Invoice Pay’s platform fee (4.9% + 30¢ per transaction) is non-refundable once a payment has been processed. In the event of a full chargeback upheld in favor of the cardholder, CUTLARYHUB LLC may at its sole discretion consider a platform fee credit on a case-by-case basis.

5. Subscription Fees

Subscription fees (if applicable) are billed in advance and are generally non-refundable. If you cancel within 48 hours of an unintended charge, contact us at billing@cutlaryhub.com and we will review your request.

6. How to Request a Refund (as a Buyer)

If you are a customer (buyer) who paid via a Biz Invoice Pay-powered checkout, please contact the seller directly using the contact information on your invoice or receipt. If you are unable to reach the seller and believe fraud has occurred, contact your card issuer to initiate a chargeback.

7. Fraud Prevention

We take fraud seriously. If you suspect fraudulent activity on your account, contact us immediately at fraud@cutlaryhub.com. We cooperate fully with law enforcement investigations.

8. Contact

For refund or dispute questions: billing@cutlaryhub.com
CUTLARYHUB LLC — Biz Invoice Pay
United States