Last updated: 18.09.2026
This policy explains refunds, reversals and disputes for payments through Tipd, operated by Black Bubble Solutions Ltd. It forms part of our Terms and Conditions. It applies to Payers and Recipients, including Sharing Teams. Section 7 also addresses other payments permitted under the Terms.
Tips and donations are intended to be voluntary. Once authorised and successfully processed, they are normally final. We do not offer a general change-of-mind refund right, including where a Payer chooses the wrong amount or Recipient, authorises a second payment in error, changes their mind, or a Recipient asks to return a payment.
This rule does not limit remedies required by law, payment-provider requirements or card-scheme rules, or the fraud and processing-error remedies below. It applies to voluntary tips and donations, not to a seller's mandatory obligations for a purchase.
Check the amount, currency, Recipient or Team, fee choice and total before confirming. Team allocations are made at the time of payment and cannot be edited afterwards within Tipd.
We may investigate, restrict, cancel or refund a payment if we identify or reasonably suspect fraud, unauthorised use or unlawful activity, or if required by Ryft, a payment partner, a card scheme or law. We may act without a request from the Payer and without the Recipient's approval.
Where Tipd initiates a fraud refund, we refund the full amount originally charged, including the platform fee, to the original payment method through our payment provider. We do not redirect a card refund to another card, another person, cash or a different bank account. If the original method is unavailable, we follow the provider's authorised return process and applicable law.
We may request information or pause further payments or payouts while reviewing a concern. We may be unable to disclose information that would compromise an investigation or breach a legal restriction.
If you believe a payment was unauthorised, charged twice, processed incorrectly, or debited despite a failure message, contact support@tipd.co promptly. You do not need a Tipd account to report a problem.
Provide the date, amount, currency, payment reference if available, Recipient or Team name, and the last four digits of the card where relevant. We may request proportionate evidence to identify the payment securely. Do not send your full card number, security code or password.
There is a difference between an amount you entered and authorised by mistake and a duplicate debit or other processing error. We will investigate apparent processing errors and provide or arrange any remedy due. A general non-refund statement does not remove rights relating to unauthorised payments or errors. You may also contact your bank or card issuer directly.
Refunds are processed through Ryft and the original payment route. The time for a refund to appear depends on the provider and issuing bank. We cannot guarantee a particular arrival date; contact us if an approved refund has not arrived within the timeframe provided to you.
The refund is made in the original transaction currency. If your card or bank account uses a different currency, exchange-rate movements and issuer charges can mean the amount shown on your statement differs from the original converted debit. We do not set or control those rates or charges, without affecting any legal responsibility we may have.
A Payer may have rights to dispute a payment with their bank or card issuer. We may provide relevant transaction and authorisation records to help resolve a dispute. We do not restrict legitimate complaints or statutory rights.
If a refund and a chargeback concern the same payment, we will work with the provider to avoid duplicate reimbursement. A refund may reduce dispute risk but does not guarantee that a dispute cannot be raised or that associated costs will be avoided. Deliberate false claims or attempts to obtain duplicate reimbursement may result in proportionate account restrictions or recovery action.
Amounts credited to a Recipient remain subject to valid refunds, reversals and chargebacks. Under section 9 of the Terms, Tipd may recover the credited principal and actual, non-recoverable third-party costs properly attributable to the payment from the affected Recipient's available payment-account balance and future funds payable to them, where lawful and supported by the payment provider.
For shared payments, recovery is normally proportional to the original allocation. We do not recover the full shared payment separately from every member, recover the same loss twice, or shift losses caused by our own breach, negligence or processing error to Recipients. Returning Tipd's own platform fee is not itself an additional fee debt owed by the Recipient.
Third-party processing or dispute charges can remain payable even if a payment is refunded. We recover only costs actually incurred and properly due under the Terms, not an invented penalty or a charge for a service supplied to us free of charge. Recovery under an applicable authority may occur without advance notice or a separate permission request. We will give an itemised explanation before or promptly afterwards, unless disclosure is legally restricted, consider reported errors and restore amounts later recovered from the provider as described in the Terms. Newly introduced liabilities are not automatically applied to transactions governed by earlier terms.
Tipd primarily supports voluntary tips and donations. Other payments are subject to the conditional-use requirements in section 2 of the Terms. If a payment is for goods, tickets or services, the seller remains responsible for its sale, fulfilment, customer support and applicable cancellation, return and refund obligations. Calling a purchase a tip does not remove those rights. The voluntary-payment rule in section 1 must not be used to refuse a refund legally due for a purchase.
Contact the seller about the underlying supply and contact Tipd about payment processing, an unauthorised charge or a required refund that needs to be processed through the platform. Recipients must cooperate and provide relevant evidence. We may arrange a refund where legally required or required by Ryft or the card scheme and apply the recovery provisions where valid. You may also exercise rights through your bank, card issuer or other lawful route; this policy does not require the seller's permission before you do so.
Mandatory charges, unlawful surcharges and optional additional payments remain subject to applicable remedies. We will not use a general no-refund statement to retain a Tipd fee that must legally be returned.
Each Gift Aid declaration covers its associated donation only. If that donation is refunded or reversed, the recipient organisation must correct its records and any claim as required. Tipd collects declarations and provides exports; it does not submit or amend claims to HMRC.
Email: support@tipd.co. Telephone: +44 (0)161 706 1952.
Black Bubble Solutions Ltd trading as Tipd, company number 09553653. Registered office: 3rd Floor, 86–90 Paul Street, London, United Kingdom, EC2A 4NE.