1. Refund Conditions

If the issue is on our payment route and AbroadPay cannot complete your order, we refund according to the refund terms shown to you before you place the order. Refunds are paid in Toman. How the amount is calculated if the exchange rate has moved between your payment and the refund is not yet settled; it will be written into this clause before official launch, and until then we confirm the exact amount to you in writing before issuing the refund. Refund timing is stated before you order. If the payment has already completed at the destination, the destination institution's refund policy applies.

2. Pre-processing Cancellation

You may cancel your order before we begin processing and receive a full refund with no fee. Typically this window is up to 30 minutes after order confirmation. The order timeline marks when processing begins.

3. Partial or Third-party Reversals

In the rare case a third party (university, exam board) returns funds with their own FX conversion, we show you their official receipt so any deduction is fully transparent. Where settlement is within our control, the refund is made under clause 1 above.

4. Quoted Rate and When the Price Becomes Final

The rate you see before placing an order is indicative and is based on the most recent rate we have received. The final price is calculated at the moment you place the order and is recorded on that order; that is the amount you pay, and nothing is added to it afterwards. If you do not place the order, or do not complete payment, the rate may move and the order may be re-quoted at the current rate.

Rates come from a market data provider and are refreshed several times a day. The rates shown on our rates page are indicative in the same sense.

5. SLA Breach — Automatic Service Credit

Each service has a stated delivery time. If AbroadPay misses it without prior notice to you, an automatic service credit is applied to your next order. Credit amounts will be published at official service launch.

1. Purpose & Requirement

AbroadPay uses a tiered identity-verification process to protect customers and meet international AML requirements (FATF-aligned). It doesn't block ordinary use — the minimum verification level needed for each order is what applies.

2. Verification Tiers

3. Eligibility Requirements

• • Must be 18 or older
• • Account must be in your real name
• • Paying on behalf of family (diaspora flow) is supported — identity is verified for both parties

4. Transaction Monitoring & Holds

Suspicious patterns are flagged automatically. If an order needs review, it is held (up to 2 business days) and we contact you. Your funds are safe and untouched during any hold.

5. Data on Foreign Payment Forms

We never write Iran-identifying information (national ID, Iranian address) on foreign payment forms. Passport number or student ID is used only in references where required by the receiving institution.

6. Source of Funds

For orders above defined thresholds, documentation of source of funds may be requested. Exact thresholds will be published at official launch.

1. What We Collect

• • Identity: Name, national ID or passport number, date of birth
• • Contact: Mobile number, email address
• • Payment: Last 4 digits of bank card (full card number is not stored)
• • Order: Service details, amount, destination, official receipt
• • KYC documents: Photo of ID or passport; selfie where required

2. Purpose of Collection

To fulfill your order, verify identity for AML compliance, track order status, communicate with you, and provide official receipts — nothing else.

3. Retention

Order records, receipts and identity documents are kept for as long as they are needed to fulfil your order and to meet anti-money-laundering obligations. The exact retention period is not yet set — it depends on the company's registration and the law that will govern it (Terms clause 12), and will be written into this clause before official launch. Until then, you can request deletion of your data at any time (clause 7).

4. Security and How We Hold Identity Documents

Identity documents are held in a private storage bucket, encrypted at rest. It is not publicly reachable from the internet, and each file is stored under your own user ID. Authorised staff can view them only through short-lived signed links (about 10 minutes), after which the link stops working.

Each document is marked pending, approved or rejected. Only one document can be under review at a time, and you confirm the image is correct before it is submitted.

AbroadPay never asks for, and never stores, your username and password for a university system or any other service. If an institution does not allow a third party to pay, the order is cancelled and refunded (Terms clause 8) — we do not ask you for a password instead.

5. No Sale or Share of Data

We do not sell your data. It is shared only with processors directly needed to fulfil your order. Those processors are named in clause 6.

6. Cross-border Data Transfer — Your Data Is Held in the EU

This matters if you are in Iran, so we state it plainly: your personal data and identity documents are stored and processed outside Iran, in the European Union. Our processors are:

• • Supabase — database and file storage, in the eu-central-1 region (EU)
• • Resend — sending transactional email to you
• • Cloudflare Pages — hosting this website
• • Telegram — internal alerts to our team about order status; identity documents are not sent over it

7. Your Rights

You may request access to your data, download your receipts, or submit a deletion request by emailing [email protected]. We respond within 10 business days.

8. Staff Access and Audit Trail

So that your payment can be made, authorised staff can view your orders, identity documents and payment receipts. That access is limited to that purpose.

Every change to a record is written to an immutable audit log, so if a dispute arises it can be shown what changed, when, and who changed it (Terms clause 10).

There is currently no way to close your account from within the site; email support to do that. Whether your order history is kept after an account is closed is not yet settled, and will be written into this clause before official launch.

9. Your Account Security

Your sign-in persists in your browser so you do not have to log in each time. A fresh code is emailed to you for each order you place. Having a password is optional — if you signed in with an email code or with a Google account, you may not have one at all.

This means access to your email is effectively access to your account. Protecting your email is the single most important thing you can do to protect your account. If you think someone has gained access to your email, tell us immediately.

1. What AbroadPay Does

In this document "we" and "AbroadPay" mean the provider of this service. AbroadPay is a payment-facilitation service. You pay in Rial inside Iran; we complete the corresponding foreign payment on your behalf. AbroadPay is not a bank, financial institution, or independently licensed money-transmitter.

2. Pricing & Payment

Prices are visible before login. The displayed price includes all fees — nothing is added after confirmation. The rate shown before you order is indicative and the price becomes final when you place the order; a delay in paying on your side may mean the order is re-quoted (clause 4 of the Refund Policy).

3. Settlement Timing

Delivery times are shown per service on the order screen and are trackable on your order timeline. Most exam and subscription payments are completed within 3 working hours. University tuition wires take 1–5 business days.

5. Acceptable Use

Use your real identity and your own bank card. Paying for family members (diaspora flow) is supported with identity verified for both parties. VPN use is not prohibited.

6. Third-party Dependencies — Narrow & Transparent

Some payments depend on third-party platforms (exam boards, universities, embassies). If a failure is caused by a third-party platform being offline, an account lock by that platform (unrelated to our payment action), or sanctions screening by the receiving bank, we refund in full and share the supporting documentation.

7. Sanctions & Eligibility

Foreign payments are made over third-party rails — including Flywire, Convera, CIBC, TransferMate and universities' own payment portals. These companies are regulated in the US and EU and screen every payment against sanctions rules; they may delay, refuse, freeze or return a payment. Those decisions are outside AbroadPay's control.

If a rail refuses a payment mid-flight, your order is refunded under the Refund Policy.

AbroadPay does not facilitate payments to sanctioned people or entities, or for prohibited purposes, and may decline or unwind an order on those grounds.

No source confirms that these companies accept funds originating in Iran. Nothing on this site means you can pay a foreign institution directly from Iran — that is precisely why AbroadPay exists.

8. Service Limitations — Where We Cannot Pay

Some institutions allow payment only from the student's own logged-in account, or only through an "authorised payer" the student has themselves granted access in the institution's system. In our review (July 2026) this was confirmed at UC Berkeley, the University of Maryland, Arizona State University and UC San Diego.

AbroadPay will never ask for your university username and password. So at those institutions we cannot deliver the service as advertised. Where that is the case the order is cancelled before processing begins and refunded in full under the Refund Policy.

9. Exact Amount and Legal Name

Several institutions do not accept a payment larger than the balance owed, and return the whole amount to the sender rather than just the excess. The University of Washington states that an overpayment may be rejected and returned to the payer "in its entirety"; UC Irvine returns overpayments to the sender and requires the student's legal name and at least 14 days' lead time before the deadline.

You must therefore give us the exact amount and your legal name exactly as registered with the institution. If a payment is returned for these reasons your funds are refunded under the Refund Policy — but time is lost, and a deadline missed this way is outside the guarantee.

10. Dispute Resolution

In any dispute, AbroadPay shares the complete timestamped order record and the official payment receipt as evidence available to both parties. We do not claim to be the "sole arbiter" of what happened. If a dispute cannot be resolved directly, the forum for it is determined under clause 12.

11. Changes to These Terms

Any material change to these terms will be communicated by email at least 14 days before it takes effect. Changes without advance notice do not apply — this is our commitment.

13. Support and Complaints

Support is by email only: [email protected]. We have no other channel — no telephone, no messaging app, no on-site chat widget. If you see one presented as AbroadPay, it is not us. We reply during working hours.

To make a complaint, email that address with "Complaint" and your order number in the subject. Your complaint is recorded, and you are given the complete timestamped order record together with the official receipts (clause 10). For requests about your personal data the response deadline is 10 business days (Privacy clause 7).

The target response time for complaints will be published at official launch, alongside the SLA credit amounts (clause 5 of the Refund Policy). If the outcome does not satisfy you, there is no specific external body to escalate to until company registration is complete — clause 12 explains why.