Transaction, Payment and Payout Rules

1. Transaction Scope

Every collection, payout, or refund must relate to a purchase or service transaction documented on Dealcova. Dealcova does not support unrelated person-to-person transfers, savings, lending, investments, or prohibited transactions.

2. Payment Provider

Dealcova is a digital commerce and transaction-management platform, not a bank, wallet, or payment provider. Customer Virtual Account collections, approved payouts, and refunds are processed through Squad by HabariPay.

3. Before Payment

The buyer and seller must record the item or service, price, delivery terms, and transaction steps. The payment amount, any applicable platform fee, and any required commitment amount are shown before confirmation.

4. Refundable Commitment Amounts

Depending on the transaction, each side may be required to provide a refundable transaction-specific commitment amount to encourage accountability. It is linked to that transaction and is not a savings balance, investment, loan, or general access fee. Its return or other treatment follows the recorded transaction outcome, these rules, and the Terms of Use.

5. Collections

Where payment is required, the buyer follows the Customer Virtual Account or other payment instructions provided through Squad. Dealcova records the provider-reported status with the transaction activity record.

6. Approved Payouts and Refunds

After the agreed transaction steps are completed and confirmed, any approved seller payout or buyer refund is processed through Squad's payment infrastructure to a verified beneficiary account.

7. Cancellations and Disputes

When a transaction is cancelled or placed under review, Dealcova checks the agreed terms, fulfilment updates, and supporting records under the published dispute process. Any approved payout, refund, or cancellation outcome is processed through Squad according to the recorded resolution. No particular outcome or recovery is guaranteed.

8. Contact

For payment or payout questions, contact support@dealcova.com. For a disputed transaction, contact disputes@dealcova.com.