Payment & Refund Policy

1. Introduction

This payment and refund policy outlines the terms and conditions related to all payment transactions and refund requests on the ViRFQ platform. By subscribing to our services, you agree to comply with the policies described here.

ViRFQ is committed to providing transparent and fair payment methods. We encourage you to read this policy carefully before making any payment.

2. Payment Methods

2.1. Vietnamese Bank Transfer / VietQR (SePay)

For customers in Vietnam, we accept bank transfer / VietQR payments processed through our payment partner SePay. Payment is confirmed automatically once the transfer is received.

2.2. International Credit/Debit Cards (Stripe)

We accept international payment cards through our secure payment gateway Stripe:

Visa
Mastercard
American Express
JCB (some regions)

2.3. Payment Security

All payment transactions are encrypted using industry-standard SSL/TLS protocol. We comply with PCI DSS and do not store full card information on our servers.

3. Pricing

3.1. The Platform Plan (prepaid terms)

ViRFQ sells one plan — the ViRFQ Platform plan — as a prepaid 3, 6, or 12-month term. All listed prices include VAT. Browsing the marketplace and onboarding remain free for all users.

3-month term: 5,000,000 VND/month — total 15,000,000 VND (VAT included), valid for 3 months, 100 RFQ contact unlocks
6-month term: 3,900,000 VND/month — total 23,400,000 VND (VAT included), +2 bonus months → valid for 8 months, 200 RFQ contact unlocks
12-month term: 3,500,000 VND/month — total 42,000,000 VND (VAT included), +4 bonus months → valid for 16 months, 400 RFQ contact unlocks

Every term also includes: unlimited Trade-AI questions + 300 buyer-name reveals per month, 24/7 AI WhatsApp Chat, a bilingual company profile and product pages, 4-hour early access to new RFQs, and full buyer contact details. The Platform plan does not include an advertising budget or voucher (see section 3.2).

Legacy plans (Starter, Trial, Silver, Gold) are no longer sold. Existing subscribers keep the benefits they paid for until their current term ends.

3.2. Ad-Budget Top-Ups (separate product)

The advertising budget is a separate top-up made in your dashboard, independent of the Platform plan, at three fixed tiers. The full top-up amount is credited to your ad balance; an operations fee is added on top of the top-up, and 10% VAT is computed on the top-up amount:

10,000,000 VND top-up: 25% ops fee — total payable 13,500,000 VND
20,000,000 VND top-up: 20% ops fee — total payable 26,000,000 VND
40,000,000 VND top-up: 15% ops fee — total payable 50,000,000 VND

Example: a 20,000,000 VND top-up costs 26,000,000 VND in total (20,000,000 to your ad balance + 4,000,000 ops fee + 2,000,000 VAT); your ad wallet is credited 20,000,000 VND.

3.3. Currency & Tax

Platform plan prices are quoted in VND and include VAT — the listed price is the amount you pay. For ad-budget top-ups, the ops fee and 10% VAT (computed on the top-up amount) are added on top of the top-up. VAT invoices are provided for business customers.

4. Term & Renewal Policy

Important: the Platform plan is prepaid per term and does not auto-renew. No charge is ever made automatically — you decide if and when to purchase a new term.

You will receive reminder emails before your term expires. If you do not purchase a new term, your account simply reverts to the Free plan at the end of the term.

4.1. Buying a new term while active:if you purchase another term while your current one is still active, the new term's validity (including bonus months) is appended to your current expiry date — no paid time is lost.

4.2. RFQ unlock pool: each term grants its unlock pool up front (100 / 200 / 400 for the 3 / 6 / 12-month terms). Unused unlocks expire when the term (including bonus months) ends.

5. Refund Policy

5.1. General Policy (per part)

The refund policy applies separately to each part of the two-part model:

Platform plan — term not yet activated: a paid term that has not been activated is refundable in full on request.
Platform plan — term already activated: refunds are pro-rated by whole unused months of the term (bonus months carry no monetary value and are not refunded). Months already started count as used.
Ad-budget top-ups: the unspent ad balance is refundable on request; the ops fee and VAT corresponding to the refunded portion are recalculated accordingly. Amounts already spent on advertising platforms are not refundable.

We encourage users to try the Free plan before purchasing.

5.2. Eligible Refund Cases

Refunds may be considered in the following cases:

Duplicate Payment: If you were charged multiple times for the same subscription
Technical Error: If a technical error on our end prevents you from accessing paid features for extended periods (more than 7 consecutive days)
Unauthorized Transaction: If your payment method was used without permission (requires investigation)

5.3. Refund Request Process

To request a refund:

Send email to contact@virfq.com within 7 days of transaction date
Include registered email, transaction code, and reason for refund request
Our team will review the request within 5 business days
If approved, refund will be processed to original payment method within 10 business days

5.4. Non-Refundable Cases

The following situations do not qualify for refunds:

Dissatisfaction with RFQ quality (as RFQ content comes from third parties)
Account suspended due to Terms of Use violations
Partial days/months already started within the current term (pro-rata counts whole unused months only)
RFQ unlocks already used during the current term
Ad spend already delivered to advertising platforms

6. Cancellation Policy

6.1. Nothing to Cancel

Because the Platform plan is prepaid and never auto-renews, there is no auto-renewal to cancel and no risk of surprise charges. Simply do not purchase a new term.

6.2. End of Term

You keep access to paid features until the end of your current term (including bonus months). After that, your account automatically reverts to the Free plan. Your ad wallet is independent — any remaining ad balance keeps running its campaigns.

For early termination of an activated term, see the pro-rata rules in section 5.1.

7. Payment Disputes

If you believe there is an error in your invoice or have questions about a transaction, please contact us at contact@virfq.com before initiating a dispute with your bank or card issuer.

We are committed to resolving payment disputes fairly and quickly. Initiating a dispute without contacting us first may result in account suspension during investigation.

8. Contact

For payment inquiries, refund requests, or support:

Email: contact@virfq.com
Response Time: Within 24-48 business hours

ViRFQ is operated by Công ty CP Giải pháp Công nghệ VIRFQ (tax code 0111373222), Hà Nội, Vietnam.

For urgent matters, Vietnam customers can call the hotline during business hours (Monday - Friday, 9:00 - 18:00 ICT).

1. Introduction

ViRFQ is committed to providing transparent and fair payment methods. We encourage you to read this policy carefully before making any payment.

2. Payment Methods

2.1. Vietnamese Bank Transfer / VietQR (SePay)

For customers in Vietnam, we accept bank transfer / VietQR payments processed through our payment partner SePay. Payment is confirmed automatically once the transfer is received.

2.2. International Credit/Debit Cards (Stripe)

We accept international payment cards through our secure payment gateway Stripe:

Visa
Mastercard
American Express
JCB (some regions)

2.3. Payment Security

All payment transactions are encrypted using industry-standard SSL/TLS protocol. We comply with PCI DSS and do not store full card information on our servers.

3. Pricing

3.1. The Platform Plan (prepaid terms)

ViRFQ sells one plan — the ViRFQ Platform plan — as a prepaid 3, 6, or 12-month term. All listed prices include VAT. Browsing the marketplace and onboarding remain free for all users.

3-month term: 5,000,000 VND/month — total 15,000,000 VND (VAT included), valid for 3 months, 100 RFQ contact unlocks
6-month term: 3,900,000 VND/month — total 23,400,000 VND (VAT included), +2 bonus months → valid for 8 months, 200 RFQ contact unlocks
12-month term: 3,500,000 VND/month — total 42,000,000 VND (VAT included), +4 bonus months → valid for 16 months, 400 RFQ contact unlocks

Legacy plans (Starter, Trial, Silver, Gold) are no longer sold. Existing subscribers keep the benefits they paid for until their current term ends.

3.2. Ad-Budget Top-Ups (separate product)

10,000,000 VND top-up: 25% ops fee — total payable 13,500,000 VND
20,000,000 VND top-up: 20% ops fee — total payable 26,000,000 VND
40,000,000 VND top-up: 15% ops fee — total payable 50,000,000 VND

Example: a 20,000,000 VND top-up costs 26,000,000 VND in total (20,000,000 to your ad balance + 4,000,000 ops fee + 2,000,000 VAT); your ad wallet is credited 20,000,000 VND.

3.3. Currency & Tax

4. Term & Renewal Policy

Important: the Platform plan is prepaid per term and does not auto-renew. No charge is ever made automatically — you decide if and when to purchase a new term.

You will receive reminder emails before your term expires. If you do not purchase a new term, your account simply reverts to the Free plan at the end of the term.

4.2. RFQ unlock pool: each term grants its unlock pool up front (100 / 200 / 400 for the 3 / 6 / 12-month terms). Unused unlocks expire when the term (including bonus months) ends.

5. Refund Policy

5.1. General Policy (per part)

The refund policy applies separately to each part of the two-part model:

Platform plan — term not yet activated: a paid term that has not been activated is refundable in full on request.
Platform plan — term already activated: refunds are pro-rated by whole unused months of the term (bonus months carry no monetary value and are not refunded). Months already started count as used.
Ad-budget top-ups: the unspent ad balance is refundable on request; the ops fee and VAT corresponding to the refunded portion are recalculated accordingly. Amounts already spent on advertising platforms are not refundable.

We encourage users to try the Free plan before purchasing.

5.2. Eligible Refund Cases

Refunds may be considered in the following cases:

Duplicate Payment: If you were charged multiple times for the same subscription
Technical Error: If a technical error on our end prevents you from accessing paid features for extended periods (more than 7 consecutive days)
Unauthorized Transaction: If your payment method was used without permission (requires investigation)

5.3. Refund Request Process

To request a refund:

Send email to contact@virfq.com within 7 days of transaction date
Include registered email, transaction code, and reason for refund request
Our team will review the request within 5 business days
If approved, refund will be processed to original payment method within 10 business days

5.4. Non-Refundable Cases

The following situations do not qualify for refunds:

Dissatisfaction with RFQ quality (as RFQ content comes from third parties)
Account suspended due to Terms of Use violations
Partial days/months already started within the current term (pro-rata counts whole unused months only)
RFQ unlocks already used during the current term
Ad spend already delivered to advertising platforms

6. Cancellation Policy

6.1. Nothing to Cancel

Because the Platform plan is prepaid and never auto-renews, there is no auto-renewal to cancel and no risk of surprise charges. Simply do not purchase a new term.

6.2. End of Term

For early termination of an activated term, see the pro-rata rules in section 5.1.

7. Payment Disputes

If you believe there is an error in your invoice or have questions about a transaction, please contact us at contact@virfq.com before initiating a dispute with your bank or card issuer.

We are committed to resolving payment disputes fairly and quickly. Initiating a dispute without contacting us first may result in account suspension during investigation.

8. Contact

For payment inquiries, refund requests, or support:

Email: contact@virfq.com
Response Time: Within 24-48 business hours

ViRFQ is operated by Công ty CP Giải pháp Công nghệ VIRFQ (tax code 0111373222), Hà Nội, Vietnam.

For urgent matters, Vietnam customers can call the hotline during business hours (Monday - Friday, 9:00 - 18:00 ICT).

Payment & Refund Policy

1. Introduction

2. Payment Methods

2.1. Vietnamese Bank Transfer / VietQR (SePay)

2.2. International Credit/Debit Cards (Stripe)

2.3. Payment Security

3. Pricing

3.1. The Platform Plan (prepaid terms)

3.2. Ad-Budget Top-Ups (separate product)

3.3. Currency & Tax

4. Term & Renewal Policy

5. Refund Policy

5.1. General Policy (per part)

5.2. Eligible Refund Cases

5.3. Refund Request Process

5.4. Non-Refundable Cases

6. Cancellation Policy

6.1. Nothing to Cancel

6.2. End of Term

7. Payment Disputes

8. Contact

Have questions about our policies?

Payment & Refund Policy

1. Introduction

2. Payment Methods

2.1. Vietnamese Bank Transfer / VietQR (SePay)

2.2. International Credit/Debit Cards (Stripe)

2.3. Payment Security

3. Pricing

3.1. The Platform Plan (prepaid terms)

3.2. Ad-Budget Top-Ups (separate product)

3.3. Currency & Tax

4. Term & Renewal Policy

5. Refund Policy

5.1. General Policy (per part)

5.2. Eligible Refund Cases

5.3. Refund Request Process

5.4. Non-Refundable Cases

6. Cancellation Policy

6.1. Nothing to Cancel

6.2. End of Term

7. Payment Disputes

8. Contact

Have questions about our policies?