When a rip goes wrong: who to tell, and by when

Read on the operator's own page

“You understand that all purchases made through the Platform are final, non-reversible, and non-refundable, unless explicitly stated otherwise in our refund policy.”

The terms page links no refund policy, so none was read.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

Read on the operator's own page

“Arena Club handles all Digital Wallet-related transactions—including failed payments, duplicate transactions, chargebacks, and internal ledger transfers—in accordance with standards consistent with those applicable to licensed money transmitters.”

If a wallet complaint is not resolved, the terms add, “you may also contact the relevant state regulator”.

Checked 7 Oct 2026.

Read on the operator's own page

“You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to support@arenaclub.com within thirty (30) days after first becoming subject to this Arbitration Agreement.”

Checked 7 Oct 2026.

Read on the operator's own page

“lastpack will issue refunds only for a verified lastpack error, when required by applicable law, or when lastpack otherwise approves a refund in its sole discretion.”

Checked 7 Oct 2026.

Read on the operator's own page

“You must notify lastpack within ten (10) days of delivery of any shipping error by messaging customer support using the in-app messaging feature.”

For a package lost on the way the terms say: “You agree that the Company has no liability for any package is lost in transit.”

Checked 7 Oct 2026.

Read on the operator's own page

“If a payment is reversed, disputed, charged back, clawed back, or later determined to be unauthorized or fraudulent, we may suspend your account, cancel pending purchases, void Pack outcomes, cancel shipments, reverse credits, offset amounts owed against your balances or Items, and require repayment before restoring access.”

Checked 7 Oct 2026.

Read on the operator's own page

“YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS.”

Checked 7 Oct 2026.

Read on the operator's own page

“If you believe you are eligible for a refund under the exceptions listed above, you must submit a refund request within thirty (30) days of the transaction date.”

The exceptions are gross negligence by Phygitals, a fraudulent or counterfeit card, an unauthorised transaction and a refund the law requires. Each is “at its sole discretion”.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service, and the Return & Refund Policy they point to.

Checked 7 Oct 2026.

Read on the operator's own page

“If you file a chargeback or payment dispute with your bank or credit card company without first attempting resolution through our refund process, your account may be suspended and assets frozen pending investigation.”

Its refund policy adds that it may “pursue collection of the owed amount through appropriate legal channels”.

Checked 7 Oct 2026.

Read on the operator's own page

“You may opt out of this arbitration provision within thirty (30) days of first accepting these Terms by sending a written notice to legal@phygitals.com with the subject line "Arbitration Opt-Out," including your full name, account email address, and a clear statement that you wish to opt out of binding arbitration.”

Checked 7 Oct 2026.

Read on the operator's own page

“We do not offer refunds for purchases of Repackz under any circumstances.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Collectibles.com Terms & Conditions.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Collectibles.com Terms & Conditions.

Checked 7 Oct 2026.

Read on the operator's own page

“any dispute arising from or relating to these Terms or the Service shall be resolved by binding arbitration”

If arbitration does not apply, the terms name the courts of Austin, Texas.

Checked 7 Oct 2026.

Read on the operator's own page

“If we determine that the item was materially misdescribed by us, materially damaged before risk passed to you, or incorrectly fulfilled, then, as your exclusive remedy except where prohibited by law, we may elect to: replace the item; provide store credit; reverse the transaction; or refund the amount actually paid.”

Checked 7 Oct 2026.

Read on the operator's own page

“you must notify us promptly, and in any event within three (3) calendar days after delivery, with reasonable supporting evidence, including photographs, videos, packaging images, and any other information we reasonably request”

Checked 7 Oct 2026.

Read on the operator's own page

“If you initiate a chargeback or payment dispute, we may: suspend or restrict your Account; reverse credits, rewards, or promotional benefits; place holds on Stored Assets or payouts; recover fees, costs, losses, and chargeback amounts to the fullest extent permitted by law; offset amounts owed to you; provide transaction records, communications, identity data, shipment records, device data, and account evidence to the payment provider or card network.”

Checked 7 Oct 2026.

Read on the operator's own page

“within 30 days of first accepting these Terms and stating that you decline this arbitration agreement. You must include your first and last name, email address, postal address and device ID, and you must personally hand-sign and date your notice.”

Checked 7 Oct 2026.

Read on the operator's own page

“All purchases made from the vending machine are final, and cannot be refunded.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

Read on the operator's own page

“You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to contact@courtyard.io within thirty (30) days after first becoming subject to this Arbitration Agreement.”

Checked 7 Oct 2026.

Read on the operator's own page

“Except as required by applicable law or expressly stated by Ripit in writing, all purchases are non-cancelable, non-returnable, and non-refundable once completed”

“Any refund, credit, or other adjustment not required by applicable law is made at Ripit’s sole discretion”.

Checked 7 Oct 2026.

Read on the operator's own page

“any recovery for loss or damage in transit is limited to the amount actually recovered from the applicable carrier or insurer”

Ripit “may, but is not obligated to, assist with claims relating to loss or damage during transit”.

Checked 7 Oct 2026.

Read on the operator's own page

“If you initiate a chargeback or payment dispute, Ripit may, to the extent permitted by law and as reasonably necessary to protect Ripit, users, or the integrity of the Services: Suspend or terminate your account and restrict access to platform functionality; Freeze vault access and restrict transfers, withdrawals, or sell-back activity pending resolution of the dispute”

On reveal products the terms go further: “Any attempt to dispute the transaction after reveal constitutes fraud.”

Checked 7 Oct 2026.

Read on the operator's own page

“You may opt out of this arbitration agreement within thirty (30) days after the date posted at the top of these Terms or the date you first access or use the Services, whichever is later (the “Opt-Out Deadline”).”

Checked 7 Oct 2026.

Read on the operator's own page

“To request review of a potential refund, You must contact customer support at support@packz.io promptly after discovering the issue and, in any event, no later than thirty (30) days after the applicable transaction, unless a longer period is required by law.”

Checked 7 Oct 2026.

Read on the operator's own page

“If, before a Sale occurs, a card reserved for You is lost, stolen, damaged, destroyed, mislabeled, or otherwise cannot be located or shipped, including because of an inventory error, Packz will notify You”

Packz then credits your balance or offers a replacement, at its discretion. The search found no window for reporting a delivered card.

Checked 7 Oct 2026.

Read on the operator's own page

“If one or more of Your purchases on the Platform is subject to a chargeback request, Your User Account will be suspended. In the event of any chargeback on Your User Account, the amount of the chargeback will be a debt owed by You to Us, and You must immediately submit payment for such purchases through an alternative Payment Mechanism.”

Checked 7 Oct 2026.

Read on the operator's own page

“YOU MAY OPT OUT OF THE ARBITRATION AGREEMENT WITHIN THIRTY (30) DAYS OF ENTERING THIS AGREEMENT”

Checked 7 Oct 2026.

Read on the operator's own page

“all transactions are final, and there are no refunds or cancellations except and solely as may be required by Applicable Law”

Checked 7 Oct 2026.

Read on the operator's own page

“If a card is damaged during shipping, RipRip's published FAQ says the card will be replaced or a full refund will be provided.”

This is the answer to “Can I get a refund?” on the How it works page. The Terms of Service say nothing on delivery problems, and no deadline is given.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service, and the FAQ on its How it works page.

Checked 7 Oct 2026.

Read on the operator's own page

“all Disputes shall be referred to and finally resolved by binding arbitration under and in accordance with the LCIA Arbitration Rules (effective 1 October 2020 as amended from time to time). The seat of the arbitration shall be the Cayman Islands.”

Residents of the European Union, or of a place that does not enforce binding arbitration, go to the Cayman Islands courts instead.

Checked 7 Oct 2026.

Read on the operator's own page

“ALL PURCHASES OF MYSTERY PACKS AND DROPS ARE FINAL AND CANNOT BE REFUNDED.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

Read on the operator's own page

“PLEASE READ SECTION 25 OF THIS AGREEMENT CAREFULLY, AS IT CONTAINS AN ARBITRATION AGREEMENT WHICH WILL, WITH LIMITED EXCEPTIONS, REQUIRE DISPUTES BETWEEN US TO BE SUBMITTED TO BINDING AND FINAL ARBITRATION.”

The page as published ends at “Limitation of Liability”. No Section 25, provider or opt-out deadline was on it, so those are not confirmed.

Checked 7 Oct 2026.

Read on the operator's own page

“All purchases of Collector Crypt NFTs are conducted on the Solana Network, as such it is impossible to undo, revert, or otherwise refund a purchase of a Collector Crypt NFT.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

Read on the operator's own page

“User has the right to opt out of the provisions of this Arbitration Agreement by sending written notice of User’s decision to opt out within thirty (30) days after first becoming subject to this Arbitration Agreement.”

Arbitration is under the rules of the Conciliation and Arbitration Center of Panama. The search found no small claims carve-out.

Checked 7 Oct 2026.

Read on the operator's own page

“All pack purchases and NFT sales are final and non-refundable.”

Checked 7 Oct 2026.

Read on the operator's own page

“If you receive an Asset that was sent to you by mistake (including but not limited to receiving an Asset you did not order, an Asset intended for another recipient, or an incorrect Asset), you must notify us immediately and make the Asset available for return at our expense.”

On damage: “We are not responsible for delays, loss, damage, or denial by a Vault or shipper, except to the extent caused by our gross negligence or willful misconduct.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

Read on the operator's own page

“any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.”

Checked 7 Oct 2026.

Read on the operator's own page

“All Purchases are final and binding. Triumph will refund Purchases in the event of an error by Triumph or its software, or third party errors that effect a user, or if applicable law or other legal obligations requires making a refund.”

“All refund requests must be made within thirty (30) days of the date of transaction.” A request that gets no answer is a no: “any request not responded to within thirty (30) days is a denial of the request”.

Checked 7 Oct 2026.

Read on the operator's own page

“You must notify Triumph within ten (10) days of delivery of any shipping error by messaging customer support using the in-app messaging feature.”

A damaged or wrong item “may, in Triumph's sole discretion, be required to be returned to Triumph in order to receive a refund”.

Checked 7 Oct 2026.

Read on the operator's own page

“conducting or attempting to conduct fraudulent financial transactions through the Platform (including fraudulent payment card charge-backs and other transactions)”

That is on the list of prohibited conduct. For a breach, “the user is subject to forfeiture of the entire balance of funds in the user’s Triumph Account”.

Checked 7 Oct 2026.

Read on the operator's own page

“shall be resolved exclusively through final and binding individual arbitration, rather than in court, and administered by the American Arbitration Association (“AAA”) under its then-current Consumer Arbitration Rules”

Only a later change to the clause can be rejected, within thirty days of the change. A 60-day informal step comes first.

Checked 7 Oct 2026.

Read on the operator's own page

“All sales are final unless otherwise required by applicable law.”

Checked 7 Oct 2026.

Read on the operator's own page

“Slabz does not control the physical cards, vaulting, or redemption process, which are managed by Collector Crypt.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

Read on the operator's own page

“Any disputes arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Quebec, Canada.”

Checked 7 Oct 2026.

Read on the operator's own page

“By purchasing, you agree that you will not be eligible for a refund except as required by law or in the case of a technical error acknowledged by the Company.”

From the Purchase Terms, which also say: “Refunds will never be granted where a chargeback has been initiated.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service, and the Purchase Terms that form part of them.

Checked 7 Oct 2026.

Read on the operator's own page

“You acknowledge that all purchases are final and that any chargeback attempt may result in account suspension, forfeiture of Gems, and legal action.”

The Purchase Terms add: “If you make a purchase that results in a chargeback, we may terminate your Account.”

Checked 7 Oct 2026.

Read on the operator's own page

“You must opt-out of these arbitration procedures within 30 days from the date that you first consent to these Terms”

Arbitration is the company's choice: it “may elect to resolve the dispute” that way. Otherwise the terms name Washington state law and courts.

Checked 7 Oct 2026.

Read on the operator's own page

“You understand that all purchases made through the Platform are final, non-reversible, and non-refundable, unless explicitly stated otherwise in our refund policy.”

The terms page links no refund policy, so none was read.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Service.

Checked 7 Oct 2026.

Read on the operator's own page

“Stadium Vault handles all Digital Wallet-related transactions—including failed payments, duplicate transactions, chargebacks, and internal ledger transfers—in accordance with standards consistent with those applicable to licensed money transmitters.”

Checked 7 Oct 2026.

Read on the operator's own page

“You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to support@stadiumvault.io within thirty (30) days after first becoming subject to this Arbitration Agreement.”

Checked 7 Oct 2026.

Read on the operator's own page

“The Company will only refund Purchases if there is an error by the Company or its software, or if applicable law or other legal obligations require a refund.”

“All refund requests must be made within thirty (30) days of the transaction date.”

Checked 7 Oct 2026.

Read on the operator's own page

“You must notify the Company within ten (10) days of delivery of any shipping error by messaging customer support using the in‑app messaging feature.”

Checked 7 Oct 2026.

Read on the operator's own page

“Conducting or attempting to conduct fraudulent financial transactions through the Platform (including fraudulent charge‑backs)”

That is on the list of prohibited conduct. For a breach, the user “is subject to forfeiture of the entire balance of funds” and “any inventory”.

Checked 7 Oct 2026.

Read on the operator's own page

“shall be resolved exclusively through final and binding individual arbitration, rather than in court, and administered by the American Arbitration Association ("AAA") under its then‑current consumer arbitration rules”

The terms are governed by the laws of Hong Kong. A sixty-day informal step comes first.

Checked 7 Oct 2026.

Read on the operator's own page

“Underdog may, in its sole discretion, issue a refund or credit if: (a) a verified platform or payment error caused an incorrect or duplicate charge, or a failure to deliver a purchased Underdog Rip; (b) a card you received is determined by Underdog to be counterfeit, materially misgraded, or otherwise incorrectly displayed”

Checked 7 Oct 2026.

Read on the operator's own page

“Once a physical card has been delivered to the shipping carrier or third-party logistics provider, Underdog and Phygitals’ responsibility for that card terminates, and neither Underdog nor Phygitals assumes any liability for any loss, damage, or delay occurring during transit.”

Checked 7 Oct 2026.

Read on the operator's own page

“If you file a chargeback or payment dispute with your bank or credit card company without first attempting resolution through our refund process, your account may be suspended and assets frozen pending investigation.”

Underdog's own sections do not mention chargebacks. This is from the Phygitals terms attached to the PDF, which it warns “may not apply to your purchase”.

Checked 7 Oct 2026.

Read on the operator's own page

“WILL BE RESOLVED BY FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS ONLY AND FOR YOUR OWN LOSSES ONLY, AS PROVIDED IN THE UNDERDOG TERMS OF USE.”

The provider, any opt-out and any small claims carve-out are in the main Underdog Terms of Use, which were not read: not confirmed.

Checked 7 Oct 2026.

Read on the operator's own page

“if the physical card deposited into your Vault materially differs from the card identified as allocated to you upon completion of an Instant Rip due to a verified technical, allocation, mapping, rendering, labeling or metadata error, Fanatics Collect will investigate and provide an appropriate remedy in accordance with the Cancellation and Return Policy.”

The same section opens “ALL SALES ARE FINAL”, and says the outcome of a rip “does not provide a basis for cancellation, return or refund”.

Checked 7 Oct 2026.

Read on the operator's own page

“Any cancellation request must be received within 48 hours of delivery of the purchase. Cancellation requests will not be accepted after 48 hours.”

That policy is written for marketplace sales; the Instant Rips clause sends a wrong card to it for the remedy, and neither says how the 48 hours run for a card placed in a vault. On shipping, the terms say “You are responsible for filing any claims with carriers for damaged or lost shipments” once delivery is proved.

Checked 7 Oct 2026.

Read on the operator's own page

“If you initiate a chargeback without a valid basis, Fanatics Collect may suspend or terminate your Account and recover associated fees, costs, and expenses incurred by Fanatics Collect.”

Checked 7 Oct 2026.

Read on the operator's own page

“If you have not previously agreed to an arbitration provision with Fanatics Collect, you may opt out by sending written notice within 30 days of first accepting these Terms.”

Checked 7 Oct 2026.

Read on the operator's own page

“Except as otherwise provided in these Terms, all purchases are final and non-refundable.”

Checked 7 Oct 2026.

Read on the operator's own page

“Failure to notify us of any shipping error or failure (including, lost or damaged items) within thirty (30) days of our providing of the item to the shipping service/courier (as shown via our delivery records) shall constitute your full acceptance of the shipment containing such Asset(s).”

The clock starts when the card is handed to the carrier, not when it arrives, and risk passes to you at the same moment.

Checked 7 Oct 2026.

Read on the operator's own page

“may withhold, deny, reverse, or cancel promotional eligibility, discounts, benefits, or related transactions in cases of suspected fraud, abuse, duplicate accounts, bonus misuse, chargeback activity, circumvention attempts, or other violations of these Terms”

Checked 7 Oct 2026.

Read on the operator's own page

“will be resolved by binding arbitration, rather than in court, except that (a) you may assert claims or seek relief in small claims court if your claims qualify”

The opt-out is under the heading “30-Day Right to Opt-Out”. The terms are governed by the laws of Malta.

Checked 7 Oct 2026.

Read on the operator's own page

“By purchasing through Beezie, you acknowledge and agree you will not receive a refund for any purchase, under any circumstances.”

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Use.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in Terms of Use.

Checked 7 Oct 2026.

Read on the operator's own page

“You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to: email, within thirty (30) days after first becoming subject to this Arbitration Agreement.”

The sentence reads as an unfilled template: “opt out to: email”. No address follows.

Checked 7 Oct 2026.

Read on the operator's own page

“You understand and agree that it is our standard policy that we reserve the right to address all refund requests in our sole discretion.”

For an item damaged through no fault of yours, the Shipping & refund page says DOPA will “either send a new item or provide full refund of the cost paid to us for that item”.

Checked 7 Oct 2026.

Read on the operator's own page

“no later than within two months from the date of order if item does not arrive or within seven (7) days of receipt if item arrived damaged or defective, together with photographic evidence of the damage”

A parcel that never arrives has two months from the order date. The page names damaged and defective items, not a wrong one.

Checked 7 Oct 2026.

Read on the operator's own page

“If you make a purchase on the Service that results in a chargeback, we may terminate your Account. You agree to contact us to seek a resolution of any issue before initiating a chargeback.”

The Purchase Terms add: “In no instance will a refund be provided where the user initiates a chargeback.”

Checked 7 Oct 2026.

Read on the operator's own page

“You must opt-out of these arbitration procedures within 30 days from the date that you first consent to these Terms”

The postal address for the opt-out is Loot Labs Inc in Seattle, the same one Boxed.gg's terms give.

Checked 7 Oct 2026.

Read on the operator's own page

“If you believe that you have been incorrectly billed or charged for a transaction that did not occur, you must notify our support team at support@packs.com within 30 days of the charge.”

The Refund Policy opens “All purchases made on the Packs.com platform are final and non-refundable”. A refund of unused credits is “at its sole discretion”.

Checked 7 Oct 2026.

Read on the operator's own page

“If an item is determined to be faulty, damaged, or incorrect, a replacement or refund will be issued at Packs.com's discretion.”

No deadline is given. For a parcel that has not arrived, the policy says to contact support “before taking any other action”.

Checked 7 Oct 2026.

Read on the operator's own page

“If one or more of Your deposits on the Platform is subject to a charge back request, Your User Account will be suspended. In the event of any charge back on Your User Account, the amount of the charge back will be a debt owed by You to Us, and You must immediately submit payment for such purchases through an alternative Payment Mechanism.”

Its Refund Policy adds that it “reserves the right to terminate your account and forfeit any balance, coins, credits, items, or cards associated with the account”.

Checked 7 Oct 2026.

Read on the operator's own page

“YOU MAY OPT OUT OF THE ARBITRATION AGREEMENT WITHIN THIRTY (30) DAYS OF ENTERING THIS AGREEMENT”

Checked 7 Oct 2026.

Read on the operator's own page

“All Power Pack sales are final and may not be returned.”

PowerPacks keeps the right to reverse a purchase itself, “by refunding your payment method and removing an Item from your Vault Account”.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in PowerPacks Terms of Purchase, and the Collectors User Agreement they fold in for disputes.

Checked 7 Oct 2026.

We looked and the operator does not publish it

Nothing on this in PowerPacks Terms of Purchase, and the Collectors User Agreement they fold in for disputes.

Checked 7 Oct 2026.

Read on the operator's own page

“YOU MAY CHOOSE TO PURSUE CLAIMS IN COURT AND NOT BY ARBITRATION IF YOU OPT OUT OF THIS ARBITRATION AGREEMENT WITHIN 30 DAYS AFTER THE DATE YOU FIRST BECOME BOUND BY THIS AGREEMENT”

The purchase terms send “all Claims” to the arbitration agreement in section 17 of the Collectors User Agreement. The quote is from that agreement.

Checked 7 Oct 2026.

Read on the operator's own page

“Except as expressly stated in these Terms or in our Refund Policy posted on the Site, all purchases are final.”

The terms page links no Refund Policy, so none was read.

Checked 7 Oct 2026.

Read on the operator's own page

“within seven (7) days of delivery, with photographs of the shipment as received, including packaging”

If Gemint confirms it, “we will, at our option, replace the affected Card in accordance with Section 5.5 or credit your Gemint Balance with its FMV”.

Checked 7 Oct 2026.

Read on the operator's own page

“If you initiate a chargeback or payment reversal that we determine to be unwarranted, we may suspend or terminate your account, reverse any related credits, and reclaim Cards or Gemint Balance attributable to the disputed transaction, in addition to any other remedies available to us.”

Checked 7 Oct 2026.

Read on the operator's own page

“within thirty days of the date that you first agree to this Agreement”

The terms are governed by the laws of the British Virgin Islands. A sixty-day informal step comes first.

Checked 7 Oct 2026.

Read on the operator's own page

“CrownCards may issue a refund, reversal, or account credit, in whole or in part, only in limited circumstances, including: (a) the charge was duplicated or resulted from a confirmed technical, software, human, pricing, inventory, or payment-processing error”

Checked 7 Oct 2026.

Read on the operator's own page

“You must notify CrownCards within ten (10) days of delivery of any shipping error, missing Item, incorrect Item, damaged package, or other shipment issue.”

Checked 7 Oct 2026.

Read on the operator's own page

“conducting or attempting fraudulent transactions, including fraudulent chargebacks, refund abuse, payment disputes, or payment reversals”

Payouts can also be held for “chargeback risk” review, whether or not you have disputed anything.

Checked 7 Oct 2026.

Read on the operator's own page

“shall be exclusively settled through binding arbitration pursuant to the then-current applicable rules of the American Arbitration Association”

Small claims court stays open. An informal step of at least thirty days comes first.

Checked 7 Oct 2026.

Read on the operator's own page

“Refund requests must be submitted to info@ripz.gg with your order details within 24 hours of purchase.”

That is for an unopened pack bought in error, a verified technical error or an unauthorised purchase. An opened pack is “non-refundable under any circumstances”.

Checked 7 Oct 2026.

Read on the operator's own page

“The wrong card was shipped — must be reported within 7 days of confirmed delivery”

A damaged card has the same seven days, “with photographic evidence”.

Checked 7 Oct 2026.

Read on the operator's own page

“Initiating a chargeback or payment dispute for a purchase that does not qualify for a refund under this Policy may result in immediate account suspension pending investigation.”

“Fraudulent chargebacks may result in permanent account termination and forfeiture of all virtual goods and Gem balances.”

Checked 7 Oct 2026.

Read on the operator's own page

“Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration, except where prohibited by law.”

This one sentence is the whole clause. The governing law is given only as “applicable law”.

Checked 7 Oct 2026.