Who This Policy Applies To
This Refund Policy applies to all users of XamePage and XamePay — products of McErima International Limited, operating under the registered trade name G2 CONFECTIONERIES, based at 36 Efunlaruja, Ori Okuta, Agric, Ikorodu, Lagos, Nigeria.
By using XamePay or making any in-app purchase, you agree to the terms of this policy. Please read it carefully before initiating any transaction.
Peer-to-Peer Transfers
Transfers sent directly between XamePage users (P2P payments) are instant and irreversible once confirmed. Because funds are delivered in real time, we are unable to reverse a completed P2P transfer.
If you believe you sent funds to the wrong person in error, contact us immediately at hello@xamepage.com. We will do our best to facilitate communication with the recipient, but we cannot guarantee recovery of funds without their cooperation.
Incoming Transfers to Your Virtual Account
Funds received into your XamePay virtual account from a bank transfer are credited to your wallet once confirmed by our payment partners (Flutterwave or Monnify). These credits are subject to the refund and reversal policies of the originating financial institution.
If a credit appears incorrect or duplicated, contact us within 7 days of the transaction date so we can investigate with our payment partners.
Outgoing Bank Transfers
Once a bank transfer has been submitted and confirmed to the recipient's bank, it cannot be recalled through the XamePage platform alone. To request a recall, you must:
- Contact us at hello@xamepage.com within 24 hours of the transaction
- Provide the transaction reference number, amount, and recipient bank details
- Understand that recall is subject to the receiving bank's acceptance and may take 5–10 business days
Utility Payments and Airtime Top-Ups
Payments for electricity, airtime, and data bundles are processed instantly via third-party providers. Once a bill payment or airtime purchase is confirmed as successful, refunds are not available as the service has already been delivered to the specified number or account.
If a payment was deducted from your wallet but the service was not delivered (e.g. airtime not received, meter not credited), please:
- Wait up to 30 minutes — some providers have processing delays
- Contact us at hello@xamepage.com with the transaction reference
- We will investigate with our billing partners and credit your wallet if the service was not delivered
Call Credits and Recharge Tokens
XameRecharge tokens are non-refundable once redeemed against a XameTel account. Unused token codes that have not yet been redeemed may be eligible for a credit to your XamePay wallet — contact support within 14 days of purchase.
Call credit consumed during a PSTN call session is non-refundable, as the service has been delivered by the underlying carrier.
Earned Coins and Rewards
XameCoins are earned rewards and have no monetary value unless explicitly converted through an approved XamePage redemption mechanism. Earned XameCoins are non-refundable, non-transferable, and cannot be exchanged for cash.
Monthly tier payouts credited to your XamePay wallet are subject to our standard withdrawal terms and are not refundable once disbursed.
Unauthorised Use of Your Account
If you believe your account has been compromised or a transaction was made without your authorisation:
- Change your password and transaction PIN immediately via Settings
- Contact us at hello@xamepage.com within 48 hours of discovering the unauthorised transaction
- Provide all relevant details including transaction references, dates, and amounts
We take fraud seriously and will cooperate fully with law enforcement investigations. Recovery of funds in fraud cases depends on the nature and timing of the report and is not guaranteed.
Refund Request Process
To initiate a refund request or dispute a transaction, contact us using any of the methods below. Include the following in your message:
- Your registered phone number or XameID
- The transaction reference number (visible in your transaction history)
- The date, amount, and type of transaction
- A clear description of the issue
We aim to respond to all refund requests within 2 business days and to resolve eligible cases within 10 business days, subject to the cooperation of third-party payment providers.
Changes to This Policy
We may update this Refund Policy from time to time to reflect changes in our services, regulatory requirements, or payment partner policies. Updates will be published at xamepage.com/legal/refund.html. Continued use of XamePay after a change constitutes acceptance of the updated policy.