Refund Policy

Last updated: March 28, 2026

This Refund Policy explains the conditions under which CCGO may issue refunds for fees and charges associated with our virtual card issuance and management services. Please read this policy carefully before using our Services.

1. Wallet Recharge Refunds

Wallet recharges are generally non-refundable once the funds have been credited to your CCGO wallet. However, refunds may be considered in the following circumstances:

• Duplicate Charges: If you are charged more than once for a single recharge transaction due to a system error, the duplicate amount will be refunded to your original payment method.
• Failed Credit: If a recharge payment was successfully debited from your payment source but not credited to your CCGO wallet, we will either credit the funds to your wallet or process a refund to the original payment method.
• Unauthorized Transactions: If a recharge was made without your authorization, you must report it within fourteen (14) days of the transaction date. Upon verification, a refund will be processed.

Refund requests for wallet recharges made via USDT or other cryptocurrency payments are subject to network conditions and may be refunded in the equivalent cryptocurrency or as a wallet credit at CCGO’s discretion.

2. Card Issuance Fee Refunds

Virtual card issuance fees are non-refundable once the card has been successfully created and delivered to your account. Refunds for card issuance fees may be considered if:

• The card issuance failed due to a system error on CCGO’s side and the card was not delivered.
• The issued card is immediately defective or non-functional, and a replacement cannot be provided.

Card issuance fees will not be refunded if the card was successfully issued but subsequently closed or cancelled at the user’s request.

3. Transaction Disputes

If you believe a transaction made with your CCGO virtual card was unauthorized, incorrect, or not as described by the merchant, you may initiate a dispute. To file a transaction dispute:

• Contact CCGO support at support@ccgo.ai within sixty (60) days of the transaction date.
• Provide the transaction details including card number (last four digits), transaction amount, date, and merchant name.
• Include a detailed description of the issue and any supporting documentation (receipts, correspondence with the merchant, screenshots).

CCGO will investigate the dispute in accordance with applicable card network rules (Visa/Mastercard). During the investigation, you may receive a provisional credit to your wallet. The final resolution will depend on the outcome of the investigation and the card network’s determination.

4. Refund Process

To request a refund, please follow these steps:

• Step 1: Contact our support team at support@ccgo.ai with your refund request.
• Step 2: Include your account email, a description of the issue, and any relevant transaction IDs or documentation.
• Step 3: Our team will review your request and may ask for additional information.
• Step 4: You will receive a notification of the decision via email.
• Step 5: If approved, the refund will be processed according to the timelines outlined below.

5. Refund Timeline

Once a refund is approved, the processing time depends on the original payment method:

• CCGO Wallet Credit: Immediate, typically within one (1) business day.
• Bank Transfer: Five to ten (5-10) business days depending on your bank.
• PayPal: Three to five (3-5) business days.
• USDT / Cryptocurrency: One to three (1-3) business days, subject to network confirmation times.

CCGO is not responsible for any delays caused by banks, payment processors, or blockchain network congestion. Refund amounts may be subject to deductions for processing fees incurred during the original transaction.

6. Non-Refundable Items

The following fees and charges are non-refundable under any circumstances:

• Currency conversion fees applied to transactions.
• Monthly or annual card maintenance fees that have already been charged.
• Transaction processing fees for completed transactions.
• Fees associated with account closure or card cancellation initiated by the user.
• Any penalties or charges resulting from prohibited use or violation of our Terms of Service.
• Referral or agent commissions that have already been distributed.

7. Chargebacks

A chargeback occurs when a cardholder disputes a transaction directly with the card network or issuing bank. CCGO handles chargebacks in accordance with Visa and Mastercard dispute resolution procedures.

Please note:

• We strongly recommend contacting CCGO support before initiating a chargeback, as we may be able to resolve the issue more quickly.
• Excessive or fraudulent chargeback claims may result in account suspension or termination.
• The chargeback process may take thirty (30) to ninety (90) days to resolve depending on the complexity of the dispute.
• CCGO reserves the right to debit your wallet balance for the disputed amount during the investigation period.

8. Contact Us

If you have any questions about our Refund Policy or need to submit a refund request, please contact us at:

• Email: support@ccgo.ai
• Website: ccgo.ai