Payment Policy

1. Scope of this Payment Policy

This policy applies to payments made for AfricaTourVisa services, including travel assistance, visa-support services, application support, accommodation-related services, airport pickup, transport, tours, document-support services and other paid services where payment is collected through AfricaTourVisa.

Specific orders may also be subject to additional service conditions displayed before payment.

2. Accepted payment methods

Payment options displayed at checkout may vary depending on the service, customer location, currency, payment provider and technical availability.

Available methods may include:

A payment method should only be considered available when it is displayed during the actual checkout process.

3. Payment authorization

When making a payment, you confirm that you are authorized to use the selected payment method and that the payment information provided is accurate.

Some card payments may require additional authentication from the cardholder's bank or card issuer.

Depending on the payment system, this may include:

• 3D Secure authentication;
• confirmation through a banking application;
• a one-time verification code;
• biometric confirmation;
• another authentication method selected by the issuing bank.

AfricaTourVisa does not control whether a bank approves or declines an authentication request.

4. Payment security

Payment transactions may be handled by independent payment processors using encrypted and security-controlled payment environments.

Depending on the payment arrangement, AfricaTourVisa may receive limited transaction information such as:

• transaction reference;
• payment status;
• amount;
• currency;
• payment method category;
• limited card details such as the last digits where provided by the processor.

Full payment-card credentials should normally remain within the authorized payment processing environment where the checkout system is configured in that manner.

5. AfricaTourVisa service fees

AfricaTourVisa may charge a service fee for assistance provided.

Depending on the service, the fee may cover activities such as:

• application assistance;
• review of information supplied by the customer;
• document-support services;
• customer support;
• administrative processing;
• travel planning;
• booking or coordination services;
• technical processing associated with the requested service.

The applicable service fee should be displayed or communicated before payment is completed.

6. Government and third-party fees

Some services may involve fees charged by a government authority or independent third party.

Examples may include:

• government visa fees;
• eVisa or eTA charges;
• immigration processing fees;
• payment-provider charges;
• hotel or accommodation charges;
• transport or airport-transfer charges;
• insurance or supplier fees;
• taxes or other mandatory charges.

Where practical, separate government, third-party and AfricaTourVisa service fees should be identified during the purchase process.

Government and supplier prices may change independently of AfricaTourVisa.

7. Currency and exchange rates

The currency charged should be displayed during checkout before the customer confirms payment.

If your payment account uses a different currency, your bank or payment provider may perform currency conversion.

Your payment provider may apply:

• its own exchange rate;
• foreign transaction fees;
• currency-conversion charges;
• other banking or card fees.

Charges imposed independently by your bank or payment provider are generally outside AfricaTourVisa's control.

8. Payment confirmation and invoices

After a successful payment, the customer may receive a confirmation page, payment confirmation, receipt, invoice, order reference or similar record depending on the service.

Customers should keep the relevant order or payment reference because it may be required for customer support, refund requests, complaints or transaction verification.

A payment appearing on a banking application does not always mean that AfricaTourVisa has received a completed payment. Some banking systems may temporarily show pending authorization.

9. Failed, declined or incomplete payments

A payment may fail or be declined for reasons including:

• incorrect card details;
• insufficient funds;
• failed 3D Secure authentication;
• bank security restrictions;
• transaction limits;
• expired payment credentials;
• fraud-prevention checks;
• network or payment-provider outages;
• unsupported payment method or currency.

If a payment fails, customers should check the payment status before repeatedly attempting payment.

If your bank shows a pending amount after a failed attempt, that may represent a temporary authorization rather than a completed charge. Your bank or payment provider controls how quickly such an authorization is released.

10. Duplicate payments

If you believe you have been charged more than once for the same order, contact AfricaTourVisa before initiating multiple payment disputes.

Please provide:

• your order or application number;
• payment date;
• amount;
• currency;
• transaction references where available;
• evidence showing the suspected duplicate transactions.

We can review our transaction records and determine whether multiple completed payments were received.

11. Fraud prevention and suspicious transactions

AfricaTourVisa and its payment providers may use fraud-prevention and security controls to protect customers and payment systems.

A transaction may be delayed, rejected or reviewed where indicators suggest:

• unauthorized use of a payment method;
• identity inconsistencies;
• unusual transaction patterns;
• suspected card fraud;
• account compromise;
• abusive payment activity;
• other security concerns.

Additional verification may be requested where reasonably necessary.

12. Refunds

Eligibility for a refund depends on the service, the stage of processing, work already completed, third-party costs incurred and the applicable refund conditions.

Detailed refund information is available in our Refund Policy .

If a refund is approved, it may normally be returned through the original payment method where practical.

The time required for an approved refund to appear in the customer's account may depend on the payment provider, card network, financial institution and currency involved.

13. Chargebacks and payment disputes

If you believe there is a payment problem, we encourage you to contact AfricaTourVisa first so the transaction can be reviewed.

A chargeback is a payment dispute initiated through a card issuer or payment provider. Where a chargeback occurs, AfricaTourVisa may provide transaction and service records to the relevant payment provider in order to respond to the dispute.

Such records may include:

• order information;
• payment confirmation;
• service records;
• customer communications;
• application or booking status;
• relevant terms and refund conditions;
• evidence that a service was supplied or processing commenced.

Fraudulent or deliberately misleading chargebacks may result in restriction of future services where legally permitted.

14. Independent payment providers

Payments may be processed through independent payment providers, acquiring banks, card networks or financial institutions.

These organizations may apply their own:

• security checks;
• authentication procedures;
• privacy policies;
• fraud controls;
• currency conversion rules;
• transaction limits;
• refund processing times.

AfricaTourVisa does not control decisions made independently by your card issuer, bank or payment provider.

15. Payment information and privacy

Personal information connected with payments may be processed for purposes including:

• processing transactions;
• issuing invoices;
• fraud prevention;
• accounting and financial records;
• responding to disputes;
• refund processing;
• legal and regulatory obligations.

More information is available in our Privacy Policy and Data Protection Policy .

16. Customer payment responsibilities

Before confirming payment, customers should verify:

• the service being purchased;
• applicant or traveler count;
• service fees;
• government or third-party fees where shown;
• currency;
• total payment amount;
• contact information;
• order or application details.

Customers should not proceed with payment if the displayed total or service details appear incorrect. Contact support before paying if clarification is required.

17. Technical payment interruptions

Payment systems can occasionally be unavailable because of maintenance, technical errors, payment-provider outages, banking-system interruptions, internet problems or security controls.

If payment availability is temporarily interrupted, another supported payment option may be displayed where available.

Customers should avoid submitting repeated payments without checking whether the previous payment was successfully processed.

18. Changes to this Payment Policy

AfricaTourVisa may update this policy when payment methods, providers, security controls, services, currencies or payment procedures change.

The current version displayed on this page applies to payments made after publication, subject to applicable law and any specific terms presented during checkout.