Updated May 14, 2026
Because gift cards are digital goods that are verified instantly, our refund rules are strict but fair. Please read carefully before trading.
1. The Golden Rule
Once we verify your card code as valid, the trade is final. We cannot reverse it because we immediately resell the code to our partners. This is standard for all gift card exchanges in Nigeria.
2. When You CAN Get a Refund/Cancellation
| Situation | What Happens | Timeline |
|---|
| You cancel BEFORE we check the code | Full cancellation, card returned to you | Instant |
| We reject card (blurry photo) | Re-upload allowed, no penalty | Within 1 hour |
| System error & we didn't pay | Full refund or reprocess + 2% bonus | 24 hours |
| Duplicate submission | Second trade auto-cancelled | Instant |
3. When You CANNOT Get a Refund
No refunds after verification:
- Card is valid and we have paid you — even if you change your mind
- You sent the wrong card type (e.g., submitted iTunes instead of Amazon)
- You entered wrong bank details and money went to another account
- Card was already redeemed before submission (we provide proof screenshot)
- Rate dropped after you confirmed — rate is locked at confirmation
4. Disputed Cards (Used/Invalid)
If we mark your card as "already used":
- We send you video proof of the error code from the official balance checker
- You have 24 hours to provide purchase receipt + video of you scratching the card
- Our team reviews within 12 hours
- If proven unused, we pay full amount + ₦1,000 apology bonus
No receipt + no video = no refund. This prevents fraud and keeps rates high for honest users.
5. Failed Bank Transfers
- If your bank rejects our transfer, money returns to us in 1-3 business days. We retry automatically.
- If account name doesn't match your 10Minute name, transfer is held for KYC. Provide ID to release.
- We cover transfer fees. You receive exact amount shown.
6. How to Request Help
Don't open a "refund" — open a support ticket:
WhatsApp: +234 800 000 1010 (fastest)
Email: support@10minute.com.ng
Include: Trade ID, phone number, and screenshots
We respond within 15 minutes (8am-11pm WAT).
7. Chargebacks Are Fraud
Initiating a bank chargeback after receiving payment is theft under Nigerian law. We will provide all evidence (IP, device, card images) to your bank, EFCC, and blacklist you permanently.
By trading on 10Minute, you acknowledge you have read and accept this Refund Policy.
