Chargeback & Dispute Policy

Last updated: October 24, 2026

As Merchant of Record, LUZWAY PAYMENT SOLUTIONS LIMITED ("Payhaste") manages chargebacks and card-network disputes for transactions processed through our Checkout.

1. Contact us first

If you do not recognise a charge shown as LUZWAY*PAYHASTE, please contact support@payhaste.com before opening a dispute with your bank. In most cases we can identify the purchase and resolve it directly, including issuing a refund where appropriate — usually faster than a formal chargeback.

2. How disputes are handled

When a chargeback is raised, we receive it as the Merchant of Record and respond to the card network on behalf of the partner merchant. We review the transaction record, the product delivered and the customer's claim, and submit the appropriate response within the network's timeframes.

3. Information we use

We rely on transaction data, delivery or access records, and our correspondence with you to represent the transaction accurately. Providing details to our support team helps us resolve the matter correctly.

4. Fraud prevention

As a registered Money Services Business (FINTRAC MSB no. C100000735), we apply fraud-prevention controls to transactions and cooperate with card networks and issuers to prevent unauthorised use.

5. Contact

LUZWAY PAYMENT SOLUTIONS LIMITED, 300-3655 Kingsway, Vancouver, BC V5R 5W7, Canada. Email: support@payhaste.com.