The short answer
Card-brand rules require refund policies be disclosed before purchase and, for card-present sales, printed on the receipt or displayed at the till. A clearly disclosed, reasonable policy is powerful evidence in a dispute. An undisclosed or extreme policy is close to worthless.
Disclosure is the whole point
In a dispute, the question is whether the cardholder agreed to the terms before paying. A checkbox with a timestamp beats a policy page nobody visited.
Consumer law overrides your terms
Statutory rights in both countries can override a stated no-refund policy for faulty or misdescribed goods. Terms cannot contract out of them.
Key takeaways
- Disclose before purchase and capture acceptance
- Timestamped acceptance is strong dispute evidence
- Statutory consumer rights override stated policies
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