Payment & Refund - SMS Nova Global

This Payment & Refund Policy (“Policy”) explains the rules and conditions regarding payments, account balance, purchases, refunds, and financial transactions made through SMS Nova (“SMS Nova”, “we”, “our”, or “us”).

This Policy applies to all users who purchase virtual phone numbers, SMS verification services, or any other products and services provided through: SMSNova.net

By making any payment, depositing funds, or purchasing services from SMS Nova, you acknowledge that you have read, understood, and agreed to this Payment & Refund Policy, our Terms of Use, Privacy Policy, and other applicable policies.

I — PAYMENT POLICY

1. Account Balance and Financial Responsibility

SMS Nova maintains an account balance system that allows users to deposit funds and use those funds to purchase virtual phone numbers and SMS verification services.

SMS Nova takes responsibility for the accuracy and availability of the funds credited to a user’s account balance after a successful payment has been confirmed.

SMS Nova’s financial responsibility begins when:

A user’s payment has been successfully completed.
The payment provider confirms receipt of funds.
The funds have been credited to the user’s SMS Nova account balance.

SMS Nova’s financial responsibility continues until the balance has been fully used by the user.

SMS Nova is not responsible for losses resulting from:

Unauthorized access caused by the user’s failure to protect account credentials.
Sharing login information with third parties.
Account compromise caused by user negligence.
Exposure of account information outside SMS Nova systems.

Users are responsible for maintaining the confidentiality and security of their accounts.

2. Official Payment Methods

Users may only deposit funds using payment methods officially supported and displayed on SMS Nova’s website.

Supported payment methods may include:

Credit and debit cards.
Stripe payment services.
PayPal.
Cryptocurrency payments.
Other payment methods introduced by SMS Nova in the future.

SMS Nova does not authorize payments through unofficial websites, third-party sellers, resellers, or unauthorized individuals.

Users are responsible for verifying that they are using official SMS Nova payment channels.

SMS Nova is not responsible for:

Payments made through unofficial sources.
Losses caused by unauthorized payment intermediaries.
Delays caused by third-party payment providers.
Restrictions imposed by payment providers.

3. Third-Party Payment Providers

SMS Nova uses external payment providers to process transactions securely.

These providers may include:

Stripe.
PayPal.
Cryptocurrency payment processors.
Banking partners.
Other financial service providers.

Payment providers operate independently from SMS Nova.

SMS Nova does not control:

Payment processing times.
Payment provider approval decisions.
Account restrictions imposed by payment providers.
Payment provider technical issues.

If a user experiences an issue directly related to a payment provider, the user may need to contact that provider for assistance.

4. Payment Processing and Confirmation

A payment is considered completed only when:

The payment provider confirms the transaction.
SMS Nova receives confirmation of successful payment.
The transaction is recorded in the user’s account.

Depending on the payment method, processing times may vary.

Possible reasons for payment delays include:

Payment provider verification.
Banking delays.
Cryptocurrency network congestion.
Security reviews.
Technical issues outside SMS Nova’s control.

SMS Nova is not responsible for delays caused by external payment networks.

5. Cryptocurrency Payments

SMS Nova may accept cryptocurrency payments through supported cryptocurrency payment providers.

Users acknowledge that cryptocurrency transactions involve certain risks, including:

Blockchain network delays.
Incorrect wallet addresses.
Incorrect blockchain networks.
Exchange rate fluctuations.
Transaction fees.

Users are solely responsible for ensuring that:

The correct cryptocurrency is selected.
The correct blockchain network is used.
The correct payment amount is sent.
The provided wallet information is accurate.

Payments sent to incorrect wallet addresses or unsupported networks may not be recoverable.

SMS Nova does not store:

Cryptocurrency private keys.
Wallet passwords.
Seed phrases.

Cryptocurrency transactions confirmed on the blockchain are generally irreversible.

6. Fraud Prevention and Payment Security

SMS Nova maintains security measures designed to detect and prevent fraudulent transactions.

These measures may include:

Payment risk analysis.
Transaction monitoring.
Account activity review.
IP reputation checks.
Device verification.
CAPTCHA protection.
Manual transaction review.
Fraud detection systems.

SMS Nova reserves the right to:

Delay payment processing.
Request additional verification.
Reject suspicious transactions.
Suspend accounts involved in fraudulent activity.

Such actions are taken to protect users, payment providers, and the integrity of the platform.

7. Fraudulent Transactions

If SMS Nova detects suspicious, fraudulent, unauthorized, or illegal payment activity, we reserve the right to:

Cancel the transaction.
Reverse the transaction where possible.
Suspend the user’s account.
Restrict access to services.
Hold funds during investigation.
Cooperate with payment providers or authorities where required.

Examples of prohibited payment activities include:

Using stolen payment information.
Unauthorized use of another person’s payment method.
Chargeback abuse.
Payment manipulation.
Money laundering.
Fraudulent cryptocurrency transactions.

All activities are subject to SMS Nova’s AML & Anti-Fraud Policy.

8. Payment Errors and Technical Issues

SMS Nova makes reasonable efforts to ensure that all payment transactions are processed accurately and securely.

However, technical issues may occur during financial transactions due to reasons including:

Payment provider errors.
Banking system failures.
Cryptocurrency network problems.
Internet connectivity issues.
System maintenance.
Unexpected technical failures.

If a payment error occurs, SMS Nova reserves the right to:

Investigate the transaction.
Correct account balance discrepancies.
Cancel invalid transactions.
Reverse incorrectly credited funds where legally permitted.
Temporarily restrict account activity until the issue is resolved.

Users must not attempt to exploit technical errors, payment system failures, or security vulnerabilities for any purpose.

Any attempt to gain unauthorized benefits through technical errors may result in:

Account suspension.
Removal of improperly obtained funds.
Termination of services.
Further action where required.

9. Duplicate Payments

In certain situations, users may accidentally submit multiple payments for the same order or account balance.

If duplicate payments occur:

Users should contact SMS Nova support with transaction details.
SMS Nova will verify the transactions.
Confirmed duplicate payments may be credited to the user’s account balance or handled according to applicable refund procedures.

SMS Nova is not responsible for duplicate payments caused by user actions, including repeated payment attempts or incorrect payment submissions.

10. Pricing and Service Fees

All prices displayed on the SMS Nova website represent the current prices for available virtual phone numbers and related services.

SMS Nova reserves the right to:

Update pricing at any time.
Change service availability.
Modify country or service pricing.
Introduce new fees where necessary.

Price changes will not affect completed purchases unless required by law or due to technical corrections.

The final price shown during checkout is the amount the user agrees to pay.

Users are responsible for reviewing:

Selected country.
Selected service.
Quantity.
Price.
Applicable fees.

before completing payment.

11. Taxes and Additional Charges

SMS Nova is not responsible for taxes, fees, duties, or charges imposed by:

Government authorities.
Banks.
Payment providers.
Cryptocurrency networks.
Financial institutions.

Users are responsible for any additional costs related to their purchase, including but not limited to:

Local taxes.
Currency conversion fees.
Bank processing fees.
Cryptocurrency network fees.
Payment provider charges.

SMS Nova only receives the amount successfully submitted through the payment system.

Any additional charges applied by third parties are outside SMS Nova’s control.

12. Currency Conversion and Exchange Rates

SMS Nova may display prices in supported currencies depending on payment methods and user location.

Users acknowledge that:

Exchange rates may change over time.
Payment providers may apply their own conversion rates.
Banks may charge currency conversion fees.
Cryptocurrency values may fluctuate significantly.

SMS Nova is not responsible for losses caused by exchange rate changes after payment confirmation.

13. User Payment Responsibilities

By making a payment on SMS Nova, users confirm that:

They are authorized to use the selected payment method.
Payment information provided is accurate.
They are not using stolen or unauthorized financial information.
The transaction complies with applicable laws.
The purchase is made for legitimate purposes.

Users agree to pay for:

All services ordered.
Applicable taxes or fees.
Any additional costs imposed by payment providers.

SMS Nova is not responsible for unauthorized payments resulting from the user’s failure to secure their account or payment information.

14. Chargeback Policy

A chargeback is a payment dispute initiated by a customer through their bank, card issuer, or payment provider.

SMS Nova takes chargeback claims seriously and investigates all disputed transactions.

Before initiating a chargeback, users are encouraged to contact SMS Nova support to resolve payment-related issues.

Unauthorized chargebacks may be considered payment abuse.

Examples include:

Requesting a chargeback after successfully receiving SMS verification services.
Disputing legitimate purchases without contacting support.
Attempting to recover funds after consuming purchased services.
Repeated chargeback attempts.

If a fraudulent or abusive chargeback occurs, SMS Nova reserves the right to:

Suspend the user’s account.
Disable future purchases.
Recover outstanding amounts.
Provide transaction evidence to payment providers.

Evidence may include:

Account records.
Transaction history.
Payment confirmation.
Service usage records.
SMS rental records.
IP and security logs.

15. Payment Review and Account Restrictions

For security and compliance purposes, SMS Nova may review certain transactions before completing payment processing.

A review may occur when:

A transaction appears unusual.
Multiple payment attempts fail.
Account activity indicates possible fraud.
Payment information requires additional verification.
The transaction presents a high-risk profile.

During a payment review, SMS Nova may:

Delay account balance crediting.
Request additional information.
Temporarily restrict purchases.
Cancel the transaction.

These measures are intended to protect users and maintain platform security.

16. Compliance With Laws and Regulations

Users agree that all payments made through SMS Nova comply with:

Applicable laws.
Financial regulations.
Payment provider rules.
Anti-money laundering requirements.
Fraud prevention requirements.

SMS Nova reserves the right to refuse or restrict transactions that may violate legal requirements or create unacceptable risks.

17. Limitation of Payment Liability

SMS Nova provides payment processing services using commercially reasonable security measures.

However, SMS Nova is not responsible for:

Payment provider failures.
Banking system interruptions.
Cryptocurrency network failures.
Unauthorized access caused by user negligence.
Currency exchange losses.
Third-party service failures.

SMS Nova’s responsibility is limited to the amount successfully received and credited to the user’s SMS Nova account balance.

REFUND POLICY

18. General Refund Policy

SMS Nova aims to provide reliable virtual phone number services. Refunds are available only under the conditions described in this Refund Policy.

By purchasing any service from SMS Nova, users acknowledge that:

Virtual phone numbers are digital services.
Service availability depends on third-party platforms.
SMS delivery depends on external networks and service providers.
Not all websites accept virtual phone numbers.

Refund requests are evaluated based on actual service usage, transaction status, and the circumstances of each case.

19. Refunds for Virtual Phone Numbers

SMS Nova does not provide refunds for virtual phone numbers when:

The SMS verification code has been successfully received.
The number has been successfully activated.
The user has completed the intended verification process.
The service has already been consumed.

Once a virtual number has successfully provided the requested SMS verification service, the transaction is considered completed.

Users agree to this condition when purchasing virtual phone numbers through SMS Nova.

20. Automatic Refunds for Failed Activations

If a user rents a virtual phone number but:

No SMS verification code is received within the allowed activation period.
The activation fails due to SMS Nova service limitations.
The number becomes unavailable before successful completion.

The system may automatically refund the amount according to the applicable service rules.

Refunds may be returned as:

SMS Nova account balance credit.
Original payment method refund where available.

The refund method may depend on payment provider limitations.

21. Refund Eligibility

A refund request may be considered eligible when one of the following situations applies:

The purchased virtual phone number was unavailable or unusable due to an issue caused by SMS Nova.
The SMS verification service failed because of a technical problem within SMS Nova’s control.
The user was charged incorrectly due to a confirmed system error.
A duplicate payment was confirmed.
SMS Nova is unable to provide the purchased service.

Before approving any refund, SMS Nova may review:

Account activity.
Order history.
Number rental records.
SMS delivery records.
Payment information.
Technical logs.
Security information.

Refund decisions are made based on available evidence and the circumstances of each case.

22. Non-Refundable Situations

Refunds will generally not be provided in the following cases:

Successful SMS Delivery

No refund will be issued after:

The SMS verification code has been received.
The virtual number has successfully completed activation.
The user has accessed or used the received verification code.

The service is considered successfully delivered once the SMS message is received.

Third-Party Platform Restrictions

SMS Nova does not guarantee that every website, application, or online platform will accept virtual phone numbers.

Refunds are not provided because:

A third-party platform rejects virtual numbers.
A website changes its verification requirements.
A service blocks temporary numbers.
A user violates the third-party platform’s rules.

Users are responsible for ensuring that their intended platform accepts virtual phone numbers before purchase.

User Errors

Refunds are not available for issues caused by user actions, including:

Selecting the wrong country.
Selecting the wrong service.
Entering incorrect information.
Using the number incorrectly.
Failing to complete verification within the allowed time.
Purchasing a service unintentionally.

Users should carefully review their order details before completing payment.

Change of Mind

SMS Nova does not provide refunds based solely on:

Change of mind.
No longer needing the service.
Selecting the wrong product.
Not wanting to use the purchased number.

Digital services begin processing immediately after purchase and cannot always be reversed.

23. Refunds for Account Balance

Users may deposit funds into their SMS Nova account balance for future purchases.

Unused account balance may be eligible for refund under certain conditions.

A refund request for unused balance may be considered if:

The balance has not been used to purchase services.
The account has no unresolved security issues.
The funds were obtained through legitimate payment methods.
The refund request complies with this Policy.

However, refunds may not be available if:

The balance has already been used to purchase virtual phone numbers.
The purchased numbers have been successfully activated.
The account has violated SMS Nova policies.
The payment is under investigation.
The transaction is associated with fraud or abuse.

24. Refund Request Procedure

To request a refund, users must contact SMS Nova support.

Refund requests must be submitted from the email address associated with the user’s SMS Nova account.

The request should include:

Account email address.
Transaction ID.
Invoice number (if available).
Payment method.
Refund amount requested.
Reason for the refund.
Relevant screenshots or evidence.

Refund requests should be sent to: Email: [email protected]

Incomplete requests may delay the review process.

25. Refund Review Process

After receiving a refund request, SMS Nova will review:

Payment records.
Service usage history.
Account activity.
Technical records.
SMS delivery information.
Applicable policies.

SMS Nova aims to review refund requests within: 5 business days

In some cases, the review period may be extended due to:

Payment provider investigations.
Fraud reviews.
Technical investigations.
Missing information from the customer.
Circumstances outside SMS Nova’s control.

26. Refund Processing Method

Approved refunds will generally be processed using the original payment method whenever possible.

Depending on the payment provider, refunds may be issued through:

Stripe.
PayPal.
Cryptocurrency refund processing.
SMS Nova account balance credit.

The final refund method may depend on:

Payment provider limitations.
Transaction type.
Applicable regulations.
Technical availability.

SMS Nova cannot control the exact time required by banks, payment providers, or blockchain networks to complete refunds.

27. Cryptocurrency Refund Policy

Cryptocurrency payments require special handling due to the nature of blockchain transactions.

Users acknowledge that:

Cryptocurrency payments are generally irreversible.
Blockchain confirmations cannot be canceled.
Network fees may not be recoverable.
Exchange rates may change between payment and refund.

If a cryptocurrency refund is approved:

Refunds may be processed in the original cryptocurrency where possible.
Users must provide accurate wallet information.
SMS Nova is not responsible for funds sent to incorrect wallet addresses.
Blockchain transaction fees may be deducted where applicable.

SMS Nova will never request:

Private keys.
Seed phrases.
Wallet passwords.

Users must verify all cryptocurrency refund information before submission.

28. Payment Provider Fees

Certain payment providers may apply fees during:

Payment processing.
Currency conversion.
Refund transactions.
International transfers.

SMS Nova may not be able to recover these third-party fees.

Approved refunds may be reduced by:

Non-refundable payment processing fees.
Blockchain transaction fees.
Currency conversion differences.
Charges imposed by payment providers.

Users acknowledge that third-party financial costs are outside SMS Nova’s control.

29. Refund Requests After Extended Periods

Refund requests should be submitted promptly.

SMS Nova may not process refund requests when:

More than 30 days have passed since payment.
The transaction records are no longer available.
The service has already been consumed.
The account activity cannot be verified.

For account balance issues, users should contact support as soon as possible after discovering the problem.

30. Account Suspension and Refund Restrictions

If an account is suspended or terminated due to:

Fraud.
Payment abuse.
Chargeback abuse.
Violation of Terms of Use.
Violation of Acceptable Use Policy.
Illegal activity.
AML & Anti-Fraud violations.

SMS Nova may refuse refunds associated with:

Fraudulent transactions.
Illegally obtained funds.
Used services.
Compensation requests related to policy violations.

Any remaining balance will be reviewed according to applicable laws and circumstances.

31. Chargeback Before Contacting Support

Users agree to contact SMS Nova before initiating a payment dispute whenever possible.

Unauthorized chargebacks may result in:

Account suspension.
Permanent service restrictions.
Loss of access to purchased services.
Additional investigation.

SMS Nova reserves the right to provide transaction evidence to payment providers during dispute resolution.

32. Service Availability and Refund Exceptions

SMS Nova continuously works to maintain reliable service availability.

However, SMS delivery depends on multiple external factors, including:

Mobile network operators.
Third-party platforms.
Country regulations.
Service provider restrictions.

SMS Nova is not responsible for failures caused by external providers beyond our reasonable control.

Refunds will only be considered when SMS Nova is unable to provide the purchased service according to this Policy.

33. Changes to This Payment & Refund Policy

SMS Nova may update this Payment & Refund Policy from time to time to reflect:

Changes in payment methods.
New regulations.
Security improvements.
Business operations.
Payment provider requirements.

Updated versions become effective when published on the Website.

The “Last Updated” date indicates the latest revision date.

34. Contact Us

If you have questions regarding payments, refunds, billing issues, or financial transactions, please contact SMS Nova support.

Payment & Billing Support
Email: [email protected]

When contacting support, please provide:

Your account email.
Transaction ID.
Payment method.
Order information.
Detailed explanation of your request.

SMS Nova is committed to providing transparent payment processing and fair resolution of payment-related issues while maintaining a secure and reliable platform for all users.

Last Updated: August 7, 2026