Last Updated: 04-02-2026
This Refund & Dispute Policy outlines how Raisin Digital Bank handles transaction disputes, refunds, and payment-related issues across our platform.
By using our services, you agree to the terms outlined below.
1. General Policy
Raisin Digital Bank provides digital financial services, including payments, transfers, and account-based transactions. Due to the nature of these services:
- Most transactions are final once processed
- Refunds are not guaranteed and are handled on a case-by-case basis
- Users are responsible for verifying transaction details before confirming
2. Eligible Refund Scenarios
Refunds may be considered under the following circumstances:
- Duplicate transactions
- Unauthorized transactions (subject to investigation)
- Technical errors resulting in incorrect charges
- Failed transactions where funds were deducted but not successfully processed
3. Non-Refundable Transactions
The following transactions are generally non-refundable:
- Completed transfers to external accounts
- Cryptocurrency transactions (Bitcoin, USDT) once confirmed
- Transactions made with incorrect recipient details provided by the user
- Payments processed through third-party services where control is limited
4. Dispute Process
If you believe a transaction is incorrect or unauthorized:
- Contact our support team immediately
- Provide transaction details and supporting information
- Allow time for investigation and review
We aim to review all disputes promptly, though resolution times may vary depending on the complexity of the case.
5. Chargebacks
Users are encouraged to contact Raisin Digital Bank before initiating a chargeback.
- Unauthorized chargebacks may result in account suspension
- We reserve the right to dispute chargebacks with relevant evidence
6. Third-Party Payments
Transactions processed via third-party providers (e.g., PayPal, Mastercard, blockchain networks) are subject to:
- Their own refund and dispute policies
- Their processing times and rules
Raisin Digital Bank is not responsible for delays or decisions made by third-party providers.
7. Investigation and Resolution
During a dispute review, we may:
- Temporarily restrict account activity
- Request additional documentation
- Work with payment partners to resolve the issue
Refunds, if approved, will be processed back to the original payment method where possible.
8. Processing Time
- Refunds (if approved) may take 5–10 business days depending on the payment method
- Cryptocurrency-related issues may vary due to blockchain processing
9. Fraud Prevention
To protect users and the platform:
- Suspicious transactions may be flagged and reviewed
- Accounts involved in fraudulent activity may be restricted or terminated
10. User Responsibility
You agree to:
- Carefully review transaction details before confirming
- Use accurate recipient information
- Report issues promptly
11. Policy Updates
We may update this policy at any time. Continued use of our services constitutes acceptance of any changes.
12. Contact Support
For refund requests or disputes, contact:
📧 Email: support@raisindigitalbank.com
🌍 Platform: Raisin Digital Bank
📍 Service Area: Global Digital Banking Platform
Raisin Digital Bank is committed to handling disputes fairly, transparently, and securely.
