GigUpp Payment & Refund Terms

Version

2026-11

Last updated

November 2026

Where it applies

every country where GigUpp operates. Where a country needs different rules, a section for that country says so.

Operator

Scryptic Technologies Ltd ("GigUpp", "we", "us").

These terms explain how money moves on GigUpp: paying, Funds, Earnings, withdrawals, refunds, disputes and chargebacks. They form part of the Terms of Service. Words defined in the Terms of Service have the same meaning here.

1. Summary

2. Custody: who holds the money

Payments are processed by Paystack. Money paid on GigUpp is held by Paystack, not by Scryptic Technologies Ltd. GigUpp is a software intermediary: it keeps a ledger of who each amount belongs to and instructs Paystack when money is paid out or refunded. Balances you see on GigUpp are records of what is owed to you. They earn no interest, are not a bank deposit, and are not covered by a deposit insurance scheme.

3. Currency and payment methods

• Local currency. Quotes, payments, Funds, Earnings and withdrawals are in the local currency of the country your account belongs to: in Ghana, the Ghana cedi (GH₵). Your account's country, and so its currency, is set when the account is created.
• Figures in these terms. Amounts shown in these terms are the figures for Ghana. Each country has its own limits in its own currency, and the app always shows the limits that apply to you.
• GigUpp plans are priced in US dollars, with the equivalent in your local currency shown before you pay (§ 13).
• Payment methods. You can pay with mobile money, card or bank transfer where the checkout offers them. The payment provider's own terms also apply to your payment.

4. Paying a quote

1. You choose a package and, where the creator allows, a deposit or the full price.
2. Checkout shows the price, any amount taken from your Funds, the estimated payment provider fee, and the total you will be charged. The fee is an estimate based on the provider's published rates; the total you are shown is what you pay.
3. When your payment succeeds, the booking starts. You can pay as a guest with your email; we then create an account for that email, which you can claim by verifying the email.
4. If the booking cannot start (for example the quote was withdrawn, expired, or someone already paid it), your payment is not lost: it is placed in your Funds, and we email you. You can use it on GigUpp or refund it to your payment method.
5. What the creator receives. The creator is credited with what the payment provider actually settles. That is normally the creator's price. If the provider's real fee differs slightly from the estimate (for example with a foreign card), the creator's amount differs by that small difference; you are never charged more than you were shown.
6. A creator cannot pay their own quote.

5. Payment Protection

At checkout, Payment Protection is selected by default.

• With Payment Protection, GigUpp holds your payment until 5 days after you accept the delivery (or it is accepted automatically). If a dispute is decided in your favour inside that window, your refund is paid in full.
• Without Payment Protection, the creator is paid when the booking starts. If a dispute is decided in your favour, the refund is paid only from what the creator still has on GigUpp.

6. Balances (deposit bookings)

If you paid a deposit, the balance is due when the creator delivers. The delivered files unlock once the balance is paid. We send reminders. If the balance is not paid within 30 days of delivery, the booking closes: the deposit is released to the creator, who delivered, and the files stay locked. You can still raise a concern within 5 days of delivery.

7. Funds (for anyone who pays)

• Top-ups. Signed-in users can add Funds. Each top-up must be within the minimum and maximum shown in the app (in Ghana, GH₵ 10 to GH₵ 20,000 per payment). Your Funds are credited with what the provider settles, which is the amount you pay minus the provider's fee, shown before you pay.
• Spending. You can use Funds to pay quotes and balances on GigUpp. Using Funds has no fee.
• Refunds of Funds. You can refund Funds only to the original payment method of one of your own payments, up to what that payment put into your Funds. Funds can never be sent to another person, phone number or bank account.
• Any fee the payment provider charges for a refund is shown before you confirm.

8. Earnings and withdrawals (for creators)

• Payout account. Add a mobile money or bank account in your own name. We check the name on the account with the payment provider against your profile. A new payout account can be used 24 hours after it is verified.
• Verification. Every withdrawal needs a one-time confirmation (for example a code by SMS to your mobile money number, or by email).
• Limits. Each withdrawal has a minimum and a maximum, there is a daily maximum, and large withdrawals are reviewed by our team before they are sent. In Ghana, each withdrawal is between GH₵ 10 and GH₵ 20,000, up to GH₵ 50,000 per day, and withdrawals of GH₵ 10,000 or more are reviewed. Limits may change; the app shows the current limits for your country.
• Fees. The payment provider's transfer fee is deducted from the amount sent and shown before you confirm (at the time of writing in Ghana, GH₵ 1 to mobile money and GH₵ 8 to a bank account). If the provider's real fee turns out different, GigUpp absorbs the difference; you receive exactly what you were shown.
• Money on hold. Earnings held under Payment Protection or because of a dispute or chargeback are shown as on hold and cannot be withdrawn until released.
• Failed transfers. If a transfer fails, the amount returns to your Earnings.
• Pauses. We may pause withdrawals for one account, or more widely, to investigate fraud, a security issue or a provider problem. Money is not lost while a withdrawal is paused.

9. Disputes and refunds

• Refunds happen only through a dispute. Nothing is refunded automatically, and bookings cannot be cancelled by agreement. Either party may raise a concern while the creator is late, between delivery and acceptance, and for 5 days after acceptance. After that, nothing can be refunded.
• Decision. GigUpp reviews the booking, delivery, messages and evidence, and decides a full refund, a partial refund, or release to the creator. The decision is final for moving money on GigUpp and does not affect your legal rights.
• Hold. When a dispute opens, the amount in question is held and cannot be withdrawn until it is decided.
• Where the refund goes. A refund goes back to the pot the client paid from, immediately and free: normally the client's Funds. From Funds, the client can spend it or refund it to the original payment method (§ 7). A creator who paid from their own Earnings is refunded to their Earnings.
• Provider fees are not refundable. The client receives the amount credited for the booking; the payment provider's fee on the original payment is not returned.
• Refund after release. If a refund is decided after the creator was paid, it is taken from the creator's Earnings, which may become negative. While Earnings are negative, withdrawals are blocked, and future Earnings repay the amount automatically.
• Files. The client keeps access to delivered files whatever the outcome.

10. Taxes

Creators are independent and are responsible for declaring and paying any tax on their Earnings. GigUpp does not deduct tax from Earnings unless the law requires it, and does not file returns for you.

11. Chargebacks

If a payer asks their bank, card issuer or mobile money provider to reverse a payment:

• the disputed amount is held, taken in order from the payer's available Funds, then from the booking's Payment Protection if still held, then from the creator's available Earnings;
• GigUpp responds to the provider with the booking's delivery and acceptance records;
• if the chargeback is won, the held money goes back where it came from;
• if it is lost, the held money covers it, and any remainder is taken from the creator's Earnings when the payment funded a booking (Earnings may become negative).

Filing a chargeback for work you received and accepted may lead to your account being closed.

12. Mistakes and suspicious activity

• We may correct booking errors (for example a duplicated credit) and will tell affected users.
• We and the payment provider may hold, refuse or reverse a transaction reasonably suspected of fraud, money laundering, sanctions breaches or other unlawful activity, and may report it to the authorities where the law requires.
• Tell us about anything wrong in your transaction history within 30 days at [email protected].

13. Paid plans

If you buy a GigUpp plan or other GigUpp service, the price, billing period and renewal terms are shown before you pay. That money is paid to GigUpp itself.

• Pricing. Plan prices are set in US dollars. Before you pay, we show the equivalent in your local currency and the exact amount you will be charged.
• VAT. Plan prices may include VAT or similar taxes. Where they apply, this is shown on the pricing page before you pay. Unless the law requires otherwise or the offer says so, plan fees already charged are not refundable; you can cancel renewal at any time and keep the plan until the end of the paid period.

14. Changes

We will give at least 30 days' notice in the app and by email before a material change to these terms (for example to fees, holds or refund rules) takes effect. Bookings already paid follow the terms that applied when they were paid, unless the law or the payment provider requires otherwise.

15. Contact

• Payments and refunds: [email protected]
• Disputes: use "Report a problem" on the booking in the app
• Legal notices: [email protected]
• Company: Scryptic Technologies Ltd, KNUST, Kumasi, Ghana · [email protected]