Refund Policy

Eligible refunds

• A duplicate payment for a contribution that was already paid.
• A payment received for a contribution or plan that could no longer accept it (for example a closed plan).
• A bill payment that could not be delivered after you paid.
• A contribution reversed after review (when the reversal includes a refund).

What is not refunded

Valid contributions to an active Osusu group or savings plan are not refundable on request — they belong to the arrangement you joined and are paid out under its rules. Savings are returned through the plan's return process; Osusu contributions are returned through the rotation. Delivered airtime, data and electricity tokens cannot be refunded.

Failed payments

If a payment fails, nothing is recorded against your contribution. If your bank debited you anyway, the payment provider normally reverses the debit automatically; contact your bank if it does not appear.

Duplicate payments

ACHIEVER detects when the same contribution is paid twice and starts a refund of the duplicate automatically. You receive a notification when it is initiated and when it completes.

Reversals

If a successful payment must be undone (for example after a confirmed error), ACHIEVER records a reversal linked to the original transaction. Reversals need approval from two authorised staff members and may include a refund. The original record is never deleted.

Bill-payment failures

If a bill cannot be delivered after payment, it is marked for refund and the amount is returned to your original payment method.

Payment-provider disputes

If you dispute a charge with your bank or card issuer, the payment provider may ask ACHIEVER for records. We share the transaction record, which may also be used to resolve the matter in the app.

Processing timelines

Refunds are initiated through Paystack as soon as they are approved. How long they take to reach you depends on your bank and payment method — often a few business days, sometimes longer. ACHIEVER cannot speed up bank processing.

Getting help

Open a case in Help & disputes with the payment reference, or email stlsupport1515@gmail.com.