Disputes & Refunds - Payxem
Last updated: 24 April 2026
Disputes, Chargebacks and Payment Holds
Payxem provides invoicing and payment tools that enable service providers to receive payments from clients through trusted third-party processors such as PayPal and Stripe. As part of maintaining a secure and reliable platform, certain rules apply to how payments are held, reviewed, and released.
Payment Security Clearance
All incoming payments are subject to a standard security clearance period of up to 7 business days before they become available for withdrawal.
This period allows for basic risk checks, fraud prevention, and alignment with third-party payment processor requirements. During this time, funds will appear as pending in the user’s account.
Disputes and Chargebacks
If a client raises a dispute or chargeback through their payment provider, including PayPal or Stripe, the disputed amount will be placed on hold immediately.
Payxem will notify the affected service provider as soon as such a dispute is identified. The transaction will remain under review until the payment processor reaches a final decision.
Dispute Resolution Outcome
All disputes are handled and resolved solely by the respective payment processor in accordance with their policies and procedures.
If the dispute is resolved in favor of the service provider:
- The full disputed amount will be returned to the available balance
If the dispute is resolved in favor of the client:
- The disputed amount will be deducted from the service provider’s balance
- Any applicable dispute or processing fees charged by the payment processor may also be deducted
Negative Balance
If a service provider’s account does not have sufficient funds to cover a dispute or chargeback:
- A negative balance will be applied to the account
- This balance must be cleared through future incoming payments before any withdrawals can be processed
If a negative balance remains outstanding for more than 4 weeks, Payxem and its affiliated partners reserve the right to take appropriate recovery actions. This may include restricting account access, withholding future payouts, or initiating recovery or legal procedures where applicable.
Platform Role
Payxem does not act as a mediator or decision-maker in disputes between clients and service providers.
All dispute outcomes are determined by the payment processor, and Payxem does not override or influence these decisions.
User Responsibility
Service providers are responsible for:
- Delivering services as agreed with clients
- Maintaining clear and accurate records of services, agreements, and communications
- Responding promptly to any dispute or inquiry raised through the payment processor
- Ensuring sufficient balance is available to cover potential disputes, reversals, or fees
Failure to meet these responsibilities may result in account limitations, delayed payouts, or additional review.
Public Page Reports and Takedowns
Payxem hosts public pages for every user: a Digital Business Card at pxem.link/@username and a Portfolio at {username}.payxem.com. These surfaces are separate from payment disputes, but they are also subject to Payxem’s review.
Reporting abuse on a public page
If you see impersonation, infringement, scams, or any content that violates the Acceptable Use Policy on a Payxem-hosted page, report it to support@payxem.com with the subject line “Public Page Report” and include the URL plus a short description.
Quote-request spam
Portfolio pages include a quote-request form. If a visitor abuses this form (spam, phishing, harassment), the page owner can flag the submission and Payxem may rate-limit, block, or remove the sender from contacting other users.
Takedowns and forced renames
Payxem may remove content, unpublish a Card or Portfolio, reassign a username, or force-rename a user where a public page violates the Terms or Acceptable Use Policy. Forced renames follow the process described in the Terms of Service.
