Ryvo Pay

Refund & Cancellation Policy

Applies to: Cypherwave Technologies Limited (Fiat Services) and Transferhive Ltd. (Crypto & Card Services)
Ryvo handles refunds and cancellations in compliance with global financial regulations, AML/CTF laws, and card network rules.
Last Updated: 01.11.2025

1 Refunds for Fiat Payments (Cypherwave – Cyprus)

Refunds may be issued for:
Refunds cannot be issued when:
Bank and SWIFT/SEPA network fees are non-refundable.

2 Refunds for Crypto Transactions (Transferhive – Canada)

Crypto transactions are final and irreversible.
Refunds are NOT available for:
Refunds may be available if:
Refunds are credited in the original asset or equivalent fiat value, at Ryvo’s discretion.

3 Refunds for Merchant Card Payments

Refunds follow card network rules (Visa/Mastercard).
Ryvo may:
Processing fees may be non-refundable.

4 Service Subscription Refunds

Refunds are not issued for:
Annual plans may be prorated in exceptional circumstances.

5 Refund Processing Times

Times may vary depending on compliance screening.