Payments on this platform are made to the business (“Merchant”) named on the payment page and receipt. This policy explains how refunds, cancellations and card disputes work. A Merchant’s own refund terms for its goods or services also apply.
1. Who to contact
For a refund, cancellation or a problem with goods or services, contact the Merchant first, using the contact details on your receipt email. The Merchant decides whether a refund is due under its own terms and Papua New Guinea consumer law.
2. How refunds are paid
Approved refunds are returned to the same card used for the payment, through Kina Bank. Refunds are never paid in cash or to a different card or account. The refund appears on your statement once processed by Kina Bank and your card issuer, usually within 5–10 business days.
3. Cancelling before you pay
A payment link can be ignored if you do not wish to proceed; no money is taken until you complete payment on Kina Bank’s page. Unpaid links expire automatically after the period set by the Merchant.
4. Duplicate or incorrect payments
If you were charged twice or paid the wrong amount, contact the Merchant with your receipt number. Each link can be paid only once, which protects against most duplicate payments.
5. Card disputes
If you cannot resolve a problem with the Merchant, you may raise a dispute with the bank that issued your card. Disputes are handled under Visa, Mastercard, UnionPay or local scheme rules, and the Merchant will be asked by Kina Bank to respond.
6. Currency
All payments and refunds are in Papua New Guinea Kina (PGK). If your card is in another currency, your card issuer’s exchange rate and fees apply, and the refunded amount in your currency may differ.
7. Contact the platform
CK Solutions Hub Limited, Papua New Guinea · +675 742 66327.
If you cannot reach the Merchant, email info@cksolutionshub.com with your receipt number and we will help put you in touch.