Refunds, Reversals & Limits
Refunds in 3PAY
Refunds in 3PAY are operational refunds, not blockchain reversals.
Refundable scenarios
3PAY can assist with refunds in the following scenario:
- A payment was sent to a previously issued invoice
- The invoice is no longer active or was sent by mistake
- Funds were received by a 3PAY-controlled invoice address
In these cases:
- The payment can be identified
- The transaction hash is available
- Funds are recoverable at the operational level
- A refund may be processed after review
Refund eligibility is determined on a case-by-case basis.
Non-refundable / non-reversible scenarios
3PAY cannot refund or reverse the following transactions:
❌ Payments sent to third-party wallets
- Payments sent directly to external wallets
- Withdrawals or payouts executed on-chain
- Auto-withdrawals and auto-payouts
Once funds leave 3PAY and are broadcasted to the blockchain, they are irreversible.
❌ Incorrect wallet addresses entered by end users
If an end user:
- Enters an incorrect wallet address
- Selects the wrong network (e.g. ERC20 vs TRC20)
- Sends funds to an unintended third-party wallet
3PAY is not liable for the loss of funds.
Blockchain transactions are final once confirmed.
Reversals (important clarification)
3PAY does not support blockchain reversals.
- Blockchain transactions cannot be reversed
- There is no “undo” once a transaction is confirmed
- Any recovery is strictly limited to funds that remain under 3PAY control
If funds are no longer controlled by 3PAY, recovery is not possible.
Limits & thresholds
Limits and thresholds are applied to reduce risk and ensure operational stability.
Transaction limits
Limits may apply to:
- Pay-in amounts
- Withdrawal amounts
- Auto-withdrawal thresholds
- Auto-payout thresholds
Limits may vary based on:
- Merchant configuration
- Risk profile
- Compliance requirements
- Transaction history
Auto-withdrawal thresholds
Auto-withdrawals may be configured with thresholds such as:
- Withdrawals below a defined amount processed automatically
- Withdrawals above the threshold require manual review
Example:
- Auto-withdrawals enabled for withdrawals under $500 USDT
- Withdrawals above $500 require approval
Auto-payout thresholds
Auto-payouts are balance-based and may include:
- A fixed destination wallet
- A defined balance threshold
Example:
- Auto-payout triggered when balance reaches $10,000 USDT
- Funds sent automatically to the merchant’s treasury wallet
Merchant responsibility
Merchants are responsible for:
- Displaying correct wallet addresses to end users
- Ensuring correct network selection
- Educating users about irreversible blockchain transactions
- Implementing confirmation and validation checks
3PAY provides infrastructure but does not assume liability for user input errors.
Sandbox vs live behavior
- Sandbox refunds are simulated only
- Sandbox balances do not represent real funds
- Refund and reversal behavior mirrors live limitations
Sandbox testing does not guarantee recoverability in production.
Updated 17 days ago