Refund Policy

CoPay does not issue refunds, because CoPay never receives the money to refund. When you pay your share, it settles directly to the organiser's own bank account at the moment your card is authorised. It never passes through an account we control, so we have no balance containing it and no way to reverse it.

This is disclosed to you before you pay, on the payment screen itself, in plain language, not buried in terms you'd have to open separately. You're told the payment goes straight to the organiser, that CoPay can't reverse it, and who to contact if something's wrong.

If you have a problem with a payment (you were charged the wrong amount, the event didn't happen, or anything else), our role is to help you resolve it, not to reverse the charge ourselves. We can provide:

• The itemised bill you agreed to pay;
• Your receipt and payment record;
• The same records to the organiser, and we'll contact them on your behalf.

The organiser is the party who actually received your payment, and the party who can return it to you directly. Please raise it with them first if you can, we're glad to help if that doesn't resolve it.

To ask about a specific payment, reach us, see our Contact page.