Payments and refunds

How payments, refunds and card security work on Esfiya.

What you pay for

Esfiya is a Dhivehi story website and app. A top-up adds balance to your Esfiya wallet. You use the balance to open paid story episodes and to tip authors. Read more about paid stories.

All amounts are in Maldivian Rufiyaa (MVR). Your card is charged in MVR.

Refunds and cancellations

• Top-ups are not refundable. Balance in your wallet can be used on Esfiya only and cannot be exchanged for cash.
• Paid episodes and tips are not refundable once they are paid for.
• If your card was charged but the balance was not added to your wallet, or you were charged twice for one top-up, contact us with the date, the amount and the last four digits of the card. We will check the payment and either add the balance or return the money to the same card. How long the money takes to arrive depends on your bank.
• You can close the payment page at any time before you confirm the payment. Nothing is charged.

Card security

• Card payments are handled by Bank of Maldives. You enter your card details on the bank’s secure payment page, not on Esfiya.
• Esfiya never sees or stores your full card number, the security code (CVV) or your card PIN.
• Payments are checked with 3-D Secure (Visa Secure, Mastercard Identity Check) where your card supports it.
• If you choose to save a card, the bank keeps the card and gives Esfiya a token for it. Esfiya stores only that token, the card type, the last four digits and the expiry date. You can remove a saved card at any time from the top-up window.
• All pages of Esfiya and the bank’s payment page are sent over an encrypted connection (HTTPS).

Keep your records

We recommend that you keep a copy of your payment confirmation and of this policy and our rules and privacy policy.

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