This policy explains when an Afrikoni buyer is entitled to a refund, how to request one, how long it takes, and what arrives back on the buyer's card or bank account.
Afrikoni does not hold buyer funds. Refunds are issued by the original payment processor back to the same card or bank account the buyer paid from. Afrikoni instructs the refund through the processor's API; the processor moves the money. Funds typically appear within 3–10 business days for cards and 1–3 business days for direct bank transfers, depending on the issuing bank.
The supplier fails to ship within the agreed lead time and the buyer has not waived the deadline in writing; the shipment is lost in transit with no insurance payout that makes the buyer whole; the goods materially differ from the accepted quote — wrong product, wrong quantity (off by more than 5%), counterfeit, or a failed customs or independent-inspector spot-check; a dispute is resolved in the buyer's favour; or a duplicate or unauthorized charge is detected.
Afrikoni acknowledges every dispute within 1 business day. The standard resolution target is within 14 days of the dispute being opened with evidence attached. High-value disputes above US$5,000 do not auto-resolve — they go to manual review by the Afrikoni team before any escrow release, and resolution can take up to 30 days. While a dispute is open the supplier payout is automatically blocked.
Trades closed by mutual agreement off-platform; goods that arrived as described but no longer fit the buyer's market plans; trades older than 90 days since delivery confirmation, subject to applicable consumer-protection law; and damage occurring after the buyer signed the carrier's proof of delivery, which is a claim against the carrier instead. Customs duties and VAT paid at destination are not refundable by Afrikoni.