Payment & Refund Policy

1. Purpose of this Policy

This Payment & Refund Policy outlines how payments are processed on MyDocki, and the conditions under which refunds may be granted. It applies to all transactions made through the MyDocki platform — including consultations, laboratory services, medication purchases, meal orders, and ambulance bookings.

Our goal is to ensure transparency, trust, and compliance with the Central Bank of Nigeria (CBN) regulations, Paystack Merchant Terms, and international e-commerce standards.

2. Accepted Payment Methods

Users may complete transactions on MyDocki through any of the following:

• Credit or debit cards (Visa, Mastercard, Verve)
• Bank transfer
• MyDocki Wallet
• Mobile money (where applicable)
• NHIS or insurance-linked payment (where integrated)

All payments are processed securely through our licensed payment partner(s), in compliance with CBN and NDPA regulations.

3. Payment Authorization

By initiating a payment on MyDocki, you authorize us to:

• Debit the specified amount from your chosen payment method;
• Share limited transaction data with our payment processors (e.g., Paystack, Flutterwave) for verification and settlement;
• Retain transaction history for financial reporting and dispute resolution, as required by law.

4. Pricing & Service Fees

Prices for consultations, medications, laboratory tests, and other services are displayed before payment. MyDocki reserves the right to:

• Adjust prices to reflect partner changes, logistics costs, or currency fluctuations;
• Charge service or convenience fees for online transactions, including ambulance or home consultation requests.

Any applicable taxes or fees will be clearly stated prior to checkout.

5. Refund Policy

Refunds are treated carefully and in accordance with the following conditions:

6. Dispute Resolution

In case of any transaction dispute:

• Users are encouraged to contact support@mydocki.com or use the in-app help center first.
• MyDocki will liaise with the service provider and payment processor to investigate.
• If unresolved, the matter may be escalated to the CBN Consumer Protection Department or relevant dispute resolution body.

7. Chargebacks

Unauthorized or fraudulent chargebacks will be reported to relevant authorities and may result in account suspension. MyDocki reserves the right to recover losses or processing fees incurred due to false chargeback claims.

8. Policy Updates

MyDocki reserves the right to modify this Payment & Refund Policy periodically. Updates will be posted within the app and on the website, with effective dates clearly indicated. Users are encouraged to review regularly to stay informed.

9. Contact Information

If you have questions about these Terms, please contact us at: