Refund & Contribution Policy

Contributions made through Wishari are gifts. Once a contribution has settled, the funds belong to the Creator who received the gift. As between you (the Contributor) and Wishari, contributions are final and non-refundable.

Step 1 — Talk to the Creator

If you regret a contribution, contact the Creator directly and ask them to send it back. Wishari does not get involved in those conversations. The Creator can choose to return the money through their own means — bank transfer, transfer to your account, or otherwise — or they can decline. That is a choice between the two of you.

Treating contributions this way reflects what they are: gifts. The same etiquette applies as if you had handed someone cash in person.

When Wishari will intervene

There are four narrow, platform-level circumstances in which Wishari will step in and refund a contribution directly. Outside these, we do not.

• Confirmed fraud. The registry was a deception — a fabricated occasion, a fake identity, stolen photos, or a Creator who has been removed from the platform for breach of our Acceptable Use Policy. We will refund affected contributions where the funds can be recovered from the Creator or our PSP.
• Duplicate charges from a platform fault. If a known technical fault on Wishari's side caused you to be charged more than once for the same contribution, we will refund the duplicate.
• Funds permanently stuck. If a payout to the Creator's bank account has irreversibly failed and the funds remain with our PSP and cannot be re-routed to the Creator, we will refund the Contributor.
• Chargebacks. If you raise a chargeback through your bank or card issuer, it is processed under the relevant scheme rules (Visa, Mastercard, Verve, or your bank) and routed through our PSP. We process chargebacks as the PSP directs us to; we don't — and can't — override them.

How to ask Wishari for help

If you believe one of the four cases above applies, email hello@wishari.co within 14 days of the transaction. Please include:

• The payment reference from your receipt email.
• A short explanation of the case.
• Any evidence you have (screenshots, messages, etc).

We will acknowledge your request within 2 business days and give a final decision within 14 business days. Where we approve a refund, the full amount you paid (including the 5% platform fee) is returned to your original payment method via our PSP. Refunds typically take 5–10 business days to appear in your account, depending on your bank or card issuer.

What this means for Creators

If you have received a contribution and the Contributor later asks for it back, the conversation is between you and them. Wishari does not require you to refund. If you decide to return the money, do it through your own means — Wishari does not facilitate Creator-initiated refunds.

We will withhold further payouts to a Creator only where our PSP has imposed a hold on the account (typically because of a chargeback or fraud investigation). Otherwise, settled payouts are yours.

Chargebacks

You may dispute a transaction directly with your bank or card issuer. Chargebacks are processed by our PSP under the relevant scheme rules and may take longer than a Wishari-initiated intervention. Where a chargeback is raised against a settled contribution, we may temporarily suspend further payouts to the affected Creator while the PSP investigates. If the chargeback is reversed in the Creator's favour, payouts resume.

Contact

All refund requests should go to hello@wishari.co. Please include the payment reference from your receipt email — without it, we cannot locate the transaction quickly.