Payment & Transaction Policy
Last Updated: October 2025
1. Payment Processor
- All transactions processed by Paystack Payments Limited
- Paystack is PCI DSS Level 1 certified
- Licensed by Central Banks of Ghana, Nigeria and Kenya
- ISO 27001:2022 and ISO 27701:2019 certified
2. Accepted Payment Methods
- Credit/debit cards (Visa, Mastercard, Verve)
- Mobile money (MTN, Vodafone, AirtelTigo)
- Bank transfers
- USSD codes
- Digital wallets
3. Transaction Fees
Guest Fees:
- Service fee varies by transaction (displayed before payment)
- No hidden charges
Partner Fees:
- Paystack fee: 1.95% + GHS 0.00 per transaction
- Platform commission varies by service type
- Chargeback fee: GHS 50 per dispute
4. Payment Authorization
- By providing payment info, you authorize charges
- Pre-authorization may be required
- Funds captured upon confirmation
5. Payment Timeline
Guest Payments: Full payment at booking Partner Payouts: T+1 to T+5 business days after service completion Minimum Payout: GHS 100 Payout Method: Bank transfer or mobile money
6. Refunds
- Processed per Cancellation Policy
- Approved refunds within 5-10 business days
- Issued to original payment method
- Transaction fees generally non-refundable
7. Chargebacks and Disputes
- Handled by Paystack and card networks
- Partners responsible for chargeback amounts
- GHS 50 fee per dispute
- Excessive chargebacks may result in suspension
8. Fraud Prevention
- Real-time fraud detection
- 3D Secure authentication
- Address verification
- Machine learning algorithms
We may flag transactions for:
- Unusual patterns
- Multiple failed attempts
- High-risk locations
- Mismatched information
9. Pricing and Taxes
- Prices displayed are final
- VAT included where applicable
- Partners responsible for own taxes
10. Payment Security
- SSL/TLS encryption
- PCI DSS compliance
- Tokenization of payment data
- We do NOT store full card numbers
11. Transaction Records
- Retained for 5-7 years per regulations
- Email receipts for all transactions
12. International Payments
- International cards accepted
- Currency conversion at current rates
- Conversion fees may apply
13. Recurring Payments
- Subscriptions may auto-renew
- Email notification before renewal
- Cancel anytime before next cycle
14. Contact
Payment Issues:
Email: payments@mybeautifulghana.com
Paystack Support:
Website: https://paystack.com
Email: support@paystack.com
Refund & Cancellation Policy
Last Updated: October 2025
1. Guest Cancellations
Accommodation Bookings:
- 14+ days before check-in: Full refund minus 10% processing fee
- 7-14 days before: 50% refund
- Less than 7 days: No refund
- No-shows: No refund
Tour Bookings:
- 7+ days before tour: Full refund minus 15% processing fee
- 3-7 days before: 50% refund
- Less than 3 days: No refund
- Weather cancellations by operator: Full refund or reschedule
E-Shop Purchases:
- Physical products: 7-day return if unused
- Digital products: No refunds after download
- Custom items: No refunds unless defective
Event Tickets:
- Per event organizer’s policy
- Typically non-refundable unless event cancelled
Real Estate:
- Per individual sale agreement
- Deposits may be non-refundable
2. Partner Cancellations
- Guest receives full refund if Partner cancels
- Partners may face penalties for repeated cancellations
- Force majeure considered case-by-case
3. Refund Processing
- Approved refunds: 5-10 business days
- Issued to original payment method
- Additional bank processing: 3-7 days
- Service charges non-refundable
4. Modification of Bookings
- Subject to availability
- Price difference may apply
- Contact Partner directly or support team
5. Special Circumstances
Natural Disasters/Emergencies:
- Evaluated case-by-case
- Documentation may be required
- Flexible policies may apply
Medical Emergencies:
- Documentation required
- Travel insurance recommended
- Evaluated individually
6. Disputes
- Contact Partner first
- Contact support for mediation: support@mybeautifulghana.com
- Allow 5-7 business days for resolution
7. Partner-Specific Policies
- Individual Partners may have stricter cancellation policies
- Review specific policy before booking
- Partner policies clearly displayed on listing
