Payments and Refund Policy

Version 2026-10-29 · Last updated: 29 October 2026

This page explains how payments for Z Coins work on Zinsta, when you get a refund and when you do not, how to ask for one, and how to avoid scams. It is part of our Terms of Use (section 3). We wrote it in plain words so that you know exactly what to expect before you pay. Creating an account, posting, watching and messaging are free. Buying coins is optional.

The short version

• Coins are bought only inside the Zinsta app, through Google Play. The price is shown before you pay. There are no hidden charges.
• Unused coins you paid for can be refunded in the cases listed below.
• Gifts you have already sent cannot be taken back. Please check before you send.
• Bonus coins are free promotions and are not refunded on their own.
• If you were charged but did not get your coins, or you were charged twice, we fix it or refund you.
• Zinsta will never ask you for your password, OTP, PIN or card details, and never sells coins outside the app.

1. How buying coins works

• You choose a pack on the buy screen. The screen shows the number of coins, any bonus coins and the price in Pakistani rupees. You pay through Google Play, using the payment method on your Google account. Google (not Zinsta) processes the payment, and we never see your card or bank details.
• When Google confirms the payment, the coins are added to your account. If the network drops, they arrive when you next open the app.
• Every purchase has an order number from Google (it starts with GPA.) in your receipt email. Keep it. It is the quickest way for us to find your payment.

2. When you get a refund

We will refund you, or put right the problem, in these cases:

1. Charged, but no coins. You paid and the coins did not reach your account. We first try to deliver the coins. If we cannot within 7 days, we refund the full amount.
2. Charged twice or wrong amount. A duplicate payment, or a payment that does not match the pack you chose. We refund the extra or wrong part.
3. Technical fault. The coins were added but the app did not let you use them because of a fault on our side, and we cannot fix it. We refund the unused coins.
4. Not authorised by you. Someone used your phone, card or account without your permission (for example a lost phone, or a child). Tell us within 7 days of the purchase, and we refund the coins that are still unspent. We may ask you to confirm details and to secure your Google and Zinsta accounts.
5. Mistaken purchase, unspent coins, asked quickly. You bought a pack by mistake and have not spent any of those coins. Ask within 48 hours of the purchase. You can also ask Google directly: Google Play lets you request a refund for a recent in-app purchase, and Google decides it under its own rules.
6. We close or restrict your account without a rule breach by you, or we stop offering coins. We refund the value of your unspent purchased coins.
7. The law requires it, including your rights under Pakistani consumer law, which these terms never remove.

How much we refund

• We refund the money paid for coins that are still unspent. If you spent some of a pack, only the unspent purchased coins are refunded, at the price per coin of that pack.
• Bonus coins are removed from your balance when a purchase is refunded, and the refund does not include a cash value for them.
• Refunds go back to the original payment method through Google Play or the payment provider. Once we approve it, it usually reaches you within 5 to 10 working days; banks and Google can be slower.

3. When there is no refund

• Coins already sent as gifts. A gift is final the moment it is sent. It cannot be cancelled, returned or exchanged, including gifts sent to the wrong creator, by mistake, by a child or while you were not thinking clearly. Gifts are voluntary thank-yous and do not buy a promise, a meeting or a service.
• Coins you spent, including coins used to join a feature that uses coins.
• Bonus and promotional coins on their own, and wallet credit from rewards or invites.
• Change of mind after you have used the coins, or after the periods in section 2.
• Completed cash-outs. When a cash-out has been sent to the payout account you gave us, it is final. Check your account details before you confirm. If you gave wrong details, we will try to help but cannot promise to recover the money. If a payout fails, the amount returns to your balance in the app.
• The cash-out fee (currently 5%) is not refunded, except when the payout fails.
• Accounts closed for breaking our rules or for fraud. Balances of accounts closed for fraud, cheating, impersonation, abuse or other serious breaches are not refunded.
• Coins bought from anyone other than Zinsta (agents, shops, groups, websites, other users). They are not valid and we cannot refund them. Do not buy them.
• Money you sent outside Zinsta to another person, even if you met them on Zinsta. We cannot recover it, but please report them so we can act on their account.
• Lost earnings or lost opportunity, and anything caused by your phone, network, Google account or bank that is outside our control.

4. Creator earnings, holds and reversals

• Coins a creator receives as gifts stay on hold for a short time (currently 7 days) before they can be cashed out. This gives us time to catch refunds, chargebacks and fraud.
• If a purchase used to pay for a gift is later refunded or charged back, or if we find the gift was part of a fraud, we may reverse that gift, hold or cancel the related cash-out, or take the amount back from the account that caused it.
• We pay to a payout account (bank, JazzCash or Easypaisa) that is in the creator's own name and after identity verification. We do not pay third parties.
• Rate, fee, minimum and hold time are shown in the app before you confirm a cash-out. We may change them for the future, never for a cash-out you already confirmed.
• Creators are responsible for their own taxes. We may withhold or report as the law requires.

5. Chargebacks and disputes

Please contact us before you dispute a payment with your bank or card company; it is usually faster. If a purchase is refunded or charged back, the coins from it are taken back. If you have already spent them, your balance may go negative, and we may hold your earnings, block purchases, gifts and cash-outs, or suspend the account until it is settled. A chargeback made by giving false information is fraud, and we may report it to the payment provider and the authorities.

6. How to ask for a refund or report a problem

1. Email zinsta.org@gmail.com from the email address on your Zinsta account. Use the subject Refund or Payment problem.
2. Tell us: your Zinsta username, the date and time, the amount, what went wrong, and the Google Play order number (GPA.…) from your receipt. A screenshot of the receipt helps.
3. We reply within 7 days with a decision and the reason. If we need more information we will say what. If we decline, you can ask for a second review by a different team member by replying to the same email.
4. For a recent purchase you can also request a refund yourself in Google Play (Play Store → your profile → Payments and subscriptions → Budget and history).

Never send passwords, OTP codes, card numbers or PINs in an email. We will never need them.

7. How to stay safe from scams

• Zinsta will never ask for your password, OTP, PIN or payout login. Not by message, call, WhatsApp, email or in a live. Anyone who does is a scammer.
• Buy coins only in the app. We have no agents, resellers, shops or Telegram, WhatsApp, Facebook or website sellers. Any offer of cheap or "discount" coins elsewhere is a trap.
• Zinsta does not run lotteries, "double your coins", "recharge to unlock withdrawal", investment or "verification fee" schemes. If someone says you must pay or gift first to receive money, it is a scam.
• A creator or user who asks you to pay outside the app, or promises money, love, favours or "returns" for gifts, is breaking our rules. Report them with the three-dot menu.
• Our only official contact is zinsta.org@gmail.com, and our sites are zinsta.org and zinsta.app. Check the address carefully.
• If you think you were scammed, tell us at once and also contact your bank or Google, and in Pakistan you can report cyber fraud to the FIA National Cyber Crime Reporting Centre (helpline 1991).

8. Our promises to you

• The price and the number of coins are shown before you pay. No hidden charges.
• We keep a record of every purchase, gift and cash-out, and we show them in your account history.
• We will answer payment problems within 7 days and give a reason for every decision.
• We never change a price, a bonus or a rate for a purchase or cash-out you have already completed.
• We do not sell your personal data. See the Privacy Policy.

9. Changes

We may update this policy. Changes apply to future purchases only. The date at the top shows when it was last changed.

10. Contact

zinsta.org@gmail.com. See also the Terms of Use, Creator Terms, Privacy Policy and Safety and Community Rules.