Payment Policy

Methods, verification, and pricing

Baddie may support card payments, bank transfer, cash on delivery in approved zones, and any other method we choose to enable from time to time.

All payments are subject to verification, provider checks, anti-fraud controls, sanctions or compliance review, technical validation, and operational review. We may hold, reject, reverse, cancel, or require re-verification of any transaction where risk, error, mismatch, abuse, or legal concerns arise.

Unless otherwise stated, prices are shown in Nigerian Naira. Taxes, shipping fees, discounts, deductions, and other charges may appear separately at checkout. Obvious pricing, system, catalog, coupon, or technical errors may be corrected before fulfillment, settlement, or refund completion.

Pending, duplicate, disputed, and processor-related issues

A payment attempt that remains pending beyond the applicable system, bank, or provider window may expire, be cancelled, be re-queried, or require re-initiation. Cart contents may be restored where supported by the product flow, but restoration is not guaranteed if stock, price, or account conditions have changed.

If a payment is duplicated, fails, reverses, is charged back, or is otherwise disputed, Baddie may investigate using provider references, bank records, audit trails, account history, delivery status, device or fraud signals, and user communications. Verified duplicates may be refunded or reversed through the applicable channel.

Payments may be processed by third-party providers. Their technical, banking, risk, and compliance processes may affect payment timing, status, refund speed, chargeback handling, or availability. Baddie is not responsible for processor or bank downtime, declines, delays, reversals, or restrictions beyond our reasonable control.

COD, chargebacks, refunds, and abuse controls

We may disable COD for specific accounts, products, sellers, locations, order values, delivery zones, or risk patterns. Repeated refusal, fake orders, unreachable delivery, suspicious account behavior, or other COD abuse may lead to order cancellation, restrictions, or suspension.

If you believe a charge is unauthorized or incorrect, contact support promptly before initiating a chargeback where possible. We may contest improper or abusive chargebacks and provide transaction, device, order, delivery, or communication evidence to banks, processors, or dispute bodies.

Approved refunds are governed by the Refund and Returns Policy and may be subject to provider, banking, and compliance delays outside our control.

We may suspend transactions, freeze features, restrict accounts, require additional verification, or refuse payment methods where we suspect refund abuse, promo abuse, card abuse, identity abuse, account takeover, money-laundering risk, sanctions risk, or other unlawful or harmful activity.