We accept the following payment methods for our travel and visa services:

• Credit Cards: Visa, MasterCard, American Express
• Debit Cards: All major debit cards with Visa or MasterCard logo
• PayPal: Secure PayPal payments
• Bank Transfers: For large amounts or corporate accounts (subject to approval)
• Digital Wallets: Apple Pay, Google Pay (where available)

All payments are processed through secure, encrypted payment gateways to ensure the safety of your financial information.

We take payment security seriously and implement industry-standard measures to protect your financial data:

• SSL Encryption: All payment transactions are protected with 256-bit SSL encryption
• PCI Compliance: Our payment processors are PCI DSS compliant
• Tokenization: Credit card information is tokenized and never stored on our servers
• 3D Secure: Additional authentication through Verified by Visa and MasterCard SecureCode
• Fraud Monitoring: Real-time fraud detection and prevention systems

Our service fees are structured as follows:

Visa Application Services

• Consultation Fee: Non-refundable fee for expert visa guidance
• Processing Fee: Covers document verification and application submission
• Government Fees: Pass-through fees for embassy/consulate charges

Travel Services

• Booking Fees: Service charges for flight and hotel reservations
• Package Fees: Comprehensive travel package pricing

All prices are quoted in USD and include applicable taxes unless otherwise specified.

Payments are required according to the following schedule:

Visa Services

• Initial Deposit: 50% payable upon service agreement
• Balance Payment: 50% payable before document submission to embassy
• Urgent Processing: Additional fees for expedited service

Travel Services

• Booking Confirmation: 25% deposit to secure reservations
• Intermediate Payment: 50% payable 45 days before travel
• Final Payment: 25% balance payable 21 days before travel

Payment deadlines are strict, and failure to meet them may result in service cancellation.

General Refund Terms

• Service Fees: Consultation and processing fees are non-refundable once services have commenced
• Government Fees: Embassy/consulate fees are non-refundable once paid
• Travel Bookings: Subject to airline and hotel cancellation policies

Visa Application Refunds

• Before Submission: 50% refund if cancellation occurs before document submission to embassy
• After Submission: No refund once documents are submitted to authorities
• Visa Rejection: No refunds are provided for visa rejections by embassies or consulates
• Processing Delays: No refunds for delays caused by government authorities

Travel Service Refunds

• Flight Cancellations: Subject to airline policy and fare rules
• Hotel Cancellations: Subject to hotel cancellation policy
• Package Tours: Refunds based on individual component policies

Important: No Refunds for Visa Rejections

We provide professional visa consultation and processing services, but the final decision rests entirely with the embassy or consulate. Therefore:

• No refunds will be issued if your visa application is rejected
• No refunds will be issued if your visa is approved but you choose not to travel
• No refunds will be issued for delays in visa processing by government authorities
• No refunds will be issued for changes in immigration policies

Our service guarantee covers proper document preparation, accurate form completion, and timely submission according to embassy requirements. We cannot guarantee visa approval as this is at the discretion of immigration authorities.

Service Cancellation by Customer

• More than 14 days before submission: 50% refund of service fees (excluding government fees)
• Less than 14 days before submission: No refund of service fees
• After document submission: No refund under any circumstances

Cancellation by VisaHub International

• Full refund if we are unable to provide promised services
• Pro-rated refund for partially completed services
• No liability for circumstances beyond our control (natural disasters, political unrest, etc.)

Dispute Resolution Process

1. Contact our customer service team immediately for any billing issues

2. Provide documentation to support your dispute

3. Allow 5-7 business days for investigation and resolution

Chargeback Policy

• Unauthorized chargebacks may result in service termination
• False chargebacks will be contested with supporting documentation
• Chargeback fees may be applied to your account
• Future services may require advance payment after chargeback incidents

We strive to resolve all payment disputes amicably and encourage direct communication before initiating chargebacks.

Currency Handling

• All transactions are processed in USD
• Exchange rates are determined by your payment provider
• Currency conversion fees may apply based on your bank/payment method
• Price guarantees are valid only in the quoted currency

International Payments

• Additional processing fees may apply for international transactions
• Wire transfers must include all bank charges
• Payment confirmation may take longer for international transfers

Payment Processing

• Instant confirmation for credit/debit card payments
• 1-2 business days for PayPal payments to clear
• 3-5 business days for bank transfers to reflect

Documentation

• Electronic receipts are automatically generated for all payments
• Detailed invoices are available upon request
• Payment history can be accessed through your client portal
• Tax invoices are provided for business customers

Please retain all payment confirmations for your records.

Payment Failure Handling

• Insufficient Funds: Payment will be declined; service will be put on hold
• Expired Cards: Update payment method to resume services
• Technical Issues: Retry payment or contact customer support
• Bank Declines: Contact your bank to authorize the transaction

Consequences of Failed Payments

• Services may be suspended until payment is received
• Late fees may apply for delayed payments
• Visa application deadlines may be missed due to payment delays
• Travel reservations may be canceled automatically

Force Majeure

No refunds will be provided for circumstances beyond our control including:

• Natural disasters and weather events
• Political unrest or travel advisories
• Pandemic-related travel restrictions
• Embassy closures or processing delays
• Acts of terrorism or war

Exceptional Cases

Refund considerations may be made for:

• Documented medical emergencies
• Bereavement of immediate family
• Military deployment orders

Documentation must be provided for exceptional circumstance claims.

We reserve the right to modify this Payment Policy at any time. Changes will be:

• Posted on our website with effective dates
• Communicated to active clients via email
• Applied to new services immediately
• Applied to existing services with 30 days notice

Continued use of our services after policy changes constitutes acceptance of the updated terms.

For payment-related inquiries, please contact us:

Billing Department

• Email: billing@visahub.com
• Phone: +1 (555) 123-4567
• Hours: Monday-Friday, 9:00 AM - 6:00 PM EST

Customer Support

• Email: info@visahub.international
• Phone: +971 58 599 4646

Please have your invoice number and payment details ready when contacting us.

Last Updated: 12/2/2025