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Refund & Payment Policy

Effective Date: February 20, 2026 — Last Updated: February 20, 2026

1. Payment Methods

Kard.pk accepts the following payment methods for Merchant billing:

  • Pakistani Bank Transfer (IBFT) — direct transfer from any Pakistani bank account
  • JazzCash Wallet — mobile wallet payments
  • Easypaisa Wallet — mobile wallet payments
  • Credit/Debit Card — Visa and Mastercard accepted

All amounts are denominated and charged in Pakistani Rupees (PKR). We do not accept foreign currency payments at this time.

2. Billing Model

Free Tier

All accounts include 5 free Leads per calendar month. No payment information is required for the Free Tier. Free Leads do not accumulate or roll over between months.

Pay Per Lead

After free Leads are exhausted, Merchants are billed per successful Lead at the rate determined by their business category and card type (see Terms of Service for the full 6×8 pricing matrix).

Billing Options

  • Prepaid Wallet: Top up your wallet and Leads are deducted in real-time. Minimum top-up: 500 PKR.
  • Monthly Invoice: Receive a monthly invoice for all Leads generated during the billing period. Payment due within 14 days of invoice date.
3. What Counts as a Billable Lead

A Lead is billable based on the specific trigger for each card type:

Card TypeBillable When
Kard OfferCustomer saves card to WhatsApp (claim)
Kard StampCustomer receives first physical stamp (first visit)
Kard PassCustomer claims/purchases session bundle
Kard PointsCustomer redeems accumulated reward
Kard GiftGift card is claimed/purchased
Kard ReferReferred friend makes first successful claim

In all cases, the Lead must be recorded and visible in the Merchant's dashboard, and the Merchant must receive a real-time notification.

4. What Does Not Count as a Lead

The following are explicitly excluded from billing:

  • Bot or automated clicks — detected and filtered by our anti-fraud systems
  • Duplicate claims — the same Customer claiming the same offer a second time (deduplication applies per phone number per campaign)
  • Failed WhatsApp deliveries — if the card cannot be delivered due to WhatsApp/network failure, the Lead is not charged
  • Test claims — claims made from the Merchant's own registered phone number during testing
  • Views and clicks — simply viewing a link or campaign page without completing the claim process
  • Stamp cards without physical stamp — if a customer claims a stamp card but never visits for their first stamp, no fee is charged
  • Points earned but not redeemed — customers accumulating points incurs no cost; fee is charged only at reward redemption
5. Refund Policy

Refund-Eligible Situations

Refunds may be issued within 7 calendar days of the billing date for:

  • Technical errors resulting in incorrect charges (e.g., system miscounting Leads)
  • Duplicate billing errors
  • Undelivered WhatsApp messages caused by a Platform failure (not WhatsApp/network outages)

Non-Refundable Situations

Refunds are not issued for:

  • Customers who claimed but did not visit the Merchant's location
  • Merchants who changed or cancelled an offer after a Customer claimed it
  • Low campaign performance, low redemption rates, or unsatisfactory results
  • Leads older than 7 days from the billing date

Requesting a Refund

Submit refund requests to billing@kard.pk with the following information:

  • Merchant account name and ID
  • Lead ID(s) in question
  • Detailed reason for the refund request
  • Supporting evidence (screenshots, timestamps, error messages) if applicable
6. Disputes
  • Billing disputes must be raised within 14 calendar days of the billing date.
  • Supporting evidence may be requested from the Merchant (lead logs, timestamps, redemption records).
  • Our billing team will investigate and respond within 5-7 business days.
  • Unresolved disputes may be escalated according to the dispute resolution process outlined in our Terms of Service.
7. Account Credits & Closing Balance
  • Unused prepaid wallet balance is refundable when a Merchant closes their account.
  • Minimum balance of 200 PKR is required for refund processing (amounts below 200 PKR may be forfeited upon account closure).
  • Refund processing time: 5-10 business days from the date the refund is approved.
  • Refunds are issued to the original payment method used for the top-up. If the original method is unavailable, an alternative method will be arranged.
  • No interest or appreciation is applied to prepaid wallet balances.
Billing Contact SUPPORT

For billing questions, refund requests, or payment issues:

Coopon (Private) Limited Pakistan