Refund & Disbursement Policy

How doorstep cash adjustments, multi-vendor isolation, and local mobile financial service payouts operate.

Manual MFS Disbursements

Since we are COD-only, validated refunds are manually transferred via bKash, Nagad, or Rocket within 48 hours.

Upcoming Gateways

Automated digital payment gateways for seamless online checkouts will be integrated in a future platform release.

1. Reversal and Payout Criteria

Refund entries are flagged for processing on our platform under three precise operational states:

Stock-outs before Transit: A marketplace merchant accepts an order but is unable to fulfill it due to sudden local inventory depletion.
Doorstep Rejection: The package is checked and rejected directly in front of the courier agent due to visible damage or incorrect items.
Approved Post-Delivery Disputes: An unboxing discrepancy is reported within our 48-hour window and the parcel is checked back into our tracking node via Steadfast Courier.

2. Multi-Vendor Cart Splits

Because Spiderpie processes a unified checkout window for items containing separate vendors, balances are calculated on an itemized line basis. If you complete a delivery from two separate shops and only one item fails validation, you will receive a refund covering that specific item and its proportional delivery weight fraction, without impacting the rest of your cash transaction history.

3. Settlement and Dispatch Timeframes

As we do not currently collect digital online payments at the point of checkout, your cash is handled directly at your doorstep by courier agents. When an order is eligible for a refund:

Uncollected Packages / Returns at Doorstep: If you verify a damaged or incorrect product with the Steadfast Courier agent before completing the payment, you may hand the package back instantly. No cash changes hands, and no digital transaction entry is required.
Post-Delivery Returns: If a return is processed inside your 48-hour window *after* you have already paid the courier agent, our billing desk settles the amount via a manual mobile financial service (MFS) wallet transfer within 1 to 2 business days of checking the return inventory.

4. Non-Refundable Scenarios

We cannot process manual disbursement adjustments in the following situations:

Any request submitted after our 48-hour platform protection policy window has closed.
Items returned via independent logistics providers outside our automated Steadfast tracking workflow.
Fulfillment fees for delivery assignments where a courier attempt failed due to an unreachable customer at the coordinates specified.

Tracking a current financial reversal or need an escrow check?

Contact Billing Support

View Return Logistics Rules