Effective date: July 17, 2026
Refund and cancellation eligibility depends on the status of the requested transaction, the applicable provider and payment channel, and whether processing has begun.
Cancellation before submission
You may decline or cancel a requested transaction before it is submitted to the provider or payment channel. No payment should be processed without your authorization.
Completed or successfully submitted payments
Provider bill payments that have been completed, accepted, posted, or successfully submitted may be final and non-refundable because funds may be transferred to or controlled by the provider or payment channel. We cannot promise that a completed provider payment can be reversed.
Merchant service and processing fees
The 2.5% merchant service fee and 2.5% processing fee may become non-refundable after processing begins or transaction work has been performed. The complete customer charge and refund conditions are disclosed before authorization.
Failed, rejected, or unavailable transactions
If a requested transaction fails, is rejected, or cannot be completed, the payment amount may be refunded, reversed, or released according to the processor, bank, and payment-channel timelines. A pending authorization may take time to disappear. Any fee treatment depends on the transaction status and work performed.
Incorrect customer-provided information
You are responsible for reviewing provider and account information before authorization. Payments sent using incorrect information may be difficult or impossible to recover. We will provide reasonable available transaction information, but we cannot guarantee a reversal or refund from a provider or payment channel.
Duplicate or unauthorized transaction concerns
Contact us as soon as possible at (888) 662-4863 or info@onlymerchantservices.com. Provide the date, amount, provider, last four digits of the payment method when appropriate, and confirmation reference if available. Do not email full card numbers, passwords, or PINs.
How to request review
Contact Only Merchant Services at (888) 662-4863 during Mon–Sat, 8:00 AM–5:00 PM Central Time. We may request information reasonably needed to locate the transaction. Submitting a request does not guarantee a refund.
Processor and provider rules
Additional processor, bank, provider, or payment-channel terms may apply. Where those parties control the funds or transaction, their rules and timelines may determine the result.