Payments, Refunds & VoiceCoins

1. Payment Verification

VoiceFund uses Paystack to process supported online payments. A payment is credited only after VoiceFund’s server has received and validated Paystack’s confirmation of the reference, amount and currency. Pending, failed or unverified transactions are not treated as completed, and confirming the same payment again does not credit it twice.

Users should retain their payment references and receipts.

2. VoiceCoins

• One VoiceCoin is valued at ₦50.
• VoiceCoins do not expire under the stated platform policy.
• VoiceCoins may be used only for features that currently accept them, such as artist support and contest entry.
• The number of VoiceCoins credited corresponds to the verified purchase.
• Duplicate, failed or underpaid transactions do not create additional credits.

VoiceCoins are platform credits. They are not cash, bank deposits, shares, investments or guaranteed financial returns. VoiceCoins cannot currently be transferred, converted to cash or withdrawn.

3. Artist Support

VoiceFund does not charge a separate VoiceFund support fee on artist support (0%). For direct Paystack payments to artists or campaigns, the actual Paystack processing fee is deducted before the net amount is credited. This is explained before payment, and records keep the gross contribution, processing fee and net contribution.

4. Withdrawals

Withdrawals are currently switched off. When enabled, a 5% VoiceFund fee applies to eligible withdrawals. For example, if a ₦10,000 gross withdrawal is eligible for the fee and no other charges apply, the VoiceFund fee is ₦500 and the remaining amount is ₦9,500.

Additional payment-provider charges, where applicable, will be disclosed. Withdrawals are subject to feature availability, verification requirements, applicable thresholds and the published withdrawal procedure. Campaign funds are not personal withdrawable earnings.

5. Refunds

There is no self-service refund option. Refund requests will be assessed according to the transaction type, applicable law, payment-provider rules and the circumstances of the transaction. Contact VoiceFund with your payment reference, amount, date and a brief description of the problem through Contact & Complaints.

Duplicate payments, verified payment errors and other qualifying issues should be investigated. Submitting a request does not automatically guarantee a refund. Nothing in this policy removes a consumer right that cannot lawfully be excluded.

The refund procedure, timelines and the treatment of purchased VoiceCoins have not yet been finalised and remain subject to legal and operational review.

6. Failed or Delayed Payments

If money appears to have been deducted but VoiceFund does not show a completed transaction, keep your receipt and transaction reference and contact support. Do not repeat a payment before checking the status of the original transaction.