Magic Agent — Refund & Return Policy

Last updated: June 5, 2026

Magic is a free digital service — we do not charge a subscription or sell any physical products, so there are no plan fees or physical goods to return. This policy applies to the bill payments and digital payments you make through the assistant, where you send money to a biller or merchant and Magic facilitates the transaction through a licensed payment partner.

1. Payments Are Made to Billers, Not to Us

When you ask Magic to pay a bill or make a payment, the amount is passed through to the biller, utility, or merchant you chose — we do not hold or keep that money. Once a payment is successfully completed and the biller has accepted it, the transaction is final and cannot be reversed by us, because the money has already reached the recipient.

2. Failed or Declined Transactions

If an amount is debited from your account but the payment fails, is declined, or is not confirmed by the biller, you are entitled to a full refund of that amount.

• In most cases a failed transaction is automatically reversed to your original payment method within 5–7 business days, in line with your bank's and the payment partner's timelines.
• If the amount is not reversed within 7 business days, contact us with your transaction reference and we will investigate and follow up with the payment partner on your behalf.

3. Wrong or Disputed Payments

• For a payment that was correctly delivered to the biller you selected, any dispute about the underlying bill (for example, the amount the biller charged) must be taken up with that biller directly — we can share the payment receipt and reference to support you.

4. Convenience Fees

If a convenience or transaction fee was charged on a payment, that fee is refunded only when the underlying payment itself failed and is being reversed. Fees on successfully completed payments are non-refundable.

5. How to Raise a Refund or Dispute

Email [email protected] from your registered email address (or include your registered phone number) with the transaction date, amount, and reference/transaction ID and a short description of the issue. We review every request individually and aim to respond within 1–2 business days.

6. Processing Time

Approved refunds are processed back to your original payment method. Once approved, refunds are typically issued within 5–7 business days, though the time it takes to appear on your statement depends on your bank or card provider.

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