Refund & Cancellation Policy

01 // ISO Referral Services

Merchant account referral services — connecting merchants with acquiring banks and ISO partners for payment processing approval — carry no upfront fee. Compensation for referral services is received by MEnterprise Firm Inc. directly from the processor as disclosed in our ISO Agent & Referral Disclosure.

Because no fee is charged to the merchant for referral services, no refund policy applies to this service category. If your application is declined, you owe nothing for the referral service itself.

02 // AltPay Rails — Checkout Infrastructure

Setup Fee ($299)

The AltPay Rails setup fee covers merchant account creation in our system, rail configuration, publishable key generation, domain allowlist configuration, and initial testing. Work on your account begins immediately upon payment.

• Before setup begins (within 24 hours of payment): Full refund available upon request
• After setup has begun: No refund. Setup work is performed and cannot be reversed.
• If we are unable to complete setup due to technical issues on our end: Full refund issued within 7 business days

Monthly Subscription ($79/month)

• Billed monthly on the same date as initial activation
• Cancel at any time with 30 days written notice to cash@mef.money
• Service continues through the end of the current billing period after cancellation notice
• No partial month refunds for mid-cycle cancellations
• If we suspend your service due to AUP violations, no refund is issued for the current billing period
• If we discontinue AltPay Rails as a service with less than 30 days notice, a pro-rated refund of the current month will be issued

03 // WooCommerce Setup Service ($299)

The WooCommerce setup service includes installation, configuration, BTCPay integration, AltPay Rails plugin installation, and go-live testing on your hosting environment.

• Before work begins: Full refund available
• After work has begun (any file has been created or transferred to your environment): No refund on setup fee
• If we are unable to complete setup within 14 days of payment due to our availability: Full refund issued
• Delays caused by merchant factors (access not provided, hosting issues, domain configuration) do not qualify for refund

04 // Custom Infrastructure Builds

Custom build projects (custom web applications, custom infrastructure deployments, bespoke integrations) are governed by a project-specific agreement signed before work begins. Refund terms for custom builds are defined in that project agreement and supersede this general policy.

In the absence of a project-specific agreement, the following defaults apply:

• Deposit (typically 50% of project total) is non-refundable once work begins
• Final payment is due upon delivery of completed work
• If a project is abandoned by MEnterprise Firm Inc. without cause, deposit is refunded in full
• If a project is abandoned by the client after work has begun, deposit is forfeited

05 // Compliance Scanning

Free compliance scans (available at sovereignstack.pro) carry no fee and therefore no refund policy.

If paid ongoing compliance monitoring services are offered in the future, refund terms will be specified at time of purchase and added to this policy.

06 // Cancellation Process

To cancel any subscription service:

1. Email cash@mef.money with subject line “Service Cancellation — [Your Business Name]”
2. Include your MER number (if you have one) and the service you are cancelling
3. We will confirm receipt within 2 business days and provide your cancellation effective date
4. Service will continue through the end of the current billing period or 30 days from notice, whichever is later

Upon cancellation, your merchant configuration data will be retained for 90 days before deletion, during which you may request an export of your data.

07 // Refund Process

Approved refunds are processed within 7 business days to the original payment method. If the original payment method is unavailable, we will arrange an alternative with you.

To request a refund, email cash@mef.money with:

• Your name and business name
• The service and amount paid
• Date of payment
• Reason for the refund request

08 // Disputes

If you believe you have been charged incorrectly or that a refund is owed that we have not issued, contact us at cash@mef.money before initiating a chargeback with your bank or card issuer. Most billing disputes can be resolved directly and quickly. Chargebacks initiated without first contacting us may result in service suspension pending resolution.