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. The refund is calculated at the order rate. 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 always at the original locked rate.

4. Price Lock

The Rial price you are quoted is held for the stated window (typically 60–120 minutes). Any exchange-rate movement during that window is absorbed by AbroadPay, not the customer.

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 and identity documents are retained for 5 years (legal compliance). Incomplete draft order data is deleted after 30 days.

4. Security & Encryption

All identity documents are stored encrypted at rest. Where a one-time login is unavoidable for payment completion, those credentials are used once and deleted from our systems within 24 hours.

5. No Sale or Share of Data

We do not sell your data. It is shared only with service processors directly needed to fulfill your order (KYC provider, cloud infrastructure). A full processor list will be published at official launch.

6. Cross-border Data Transfer

AbroadPay uses infrastructure that may process data outside Iran (Turkey, EU). This note will be updated as processors are confirmed.

7. Your Rights

You may request access to your data, download your receipts, or submit a deletion request via our support channel. We respond within 10 business days.

1. What AbroadPay Does

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, Price Lock & Payment

Prices are visible before login. The displayed price includes all fees — nothing is added after confirmation. The locked rate is valid for the stated window; a delay on your side may require a new quote.

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. 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.

8. 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.