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Refund Process & Wallet Payouts

When a dispute is resolved in favor of the buyer on BDX (Bangladesh Digital Exchange), BDX executes an immediate financial reversal to ensure the buyer receives their funds quickly, securely, and through their preferred channel.

BDX provides flexible refund destination options—allowing buyers to choose between instant credit to their BDX Wallet balance or an external payout to their original bKash, Nagad, Rocket, or Bank account.

1. Refund Triggers & Verdict Resolution​

A buyer refund is triggered under any of the following four conditions:

  1. Buyer Wins Dispute: A BDX administrator reviews the dispute evidence and resolves the case in favor of the buyer.
  2. Seller Default (24-Hour Overdue): The seller fails to respond to an open dispute within the mandatory 24-hour response deadline.
  3. Pre-Delivery Buyer Cancellation: The buyer cancels an order before the seller has submitted delivery.
  4. Seller Order Cancellation: The seller cancels the order due to stock unavailability or pricing errors.

2. Refund Destination Options: Wallet vs. External Method​

When a dispute is resolved in your favor, BDX sends an automated notification containing a 7-Day Refund Choice Link.

The secure link allows you to select your preferred refund delivery method:

                               ┌──> [ BDX Wallet Balance ] ──> Instant Credit (0% Fee, Ready to Use)
[ Dispute Won: Select Refund ] ┤
                               └──> [ External bKash / Bank ] ──> Processed within 3 Working Days
  • Speed: Instant / Within 24 hours of selection.
  • Convenience: Credited directly to your account's available BDX Wallet balance.
  • No Processing Fees: 100% of your paid order total is credited without third-party cash-out fees.
  • Usage: Wallet balance can be spent immediately on any future digital product, game top-up, or subscription across the entire BDX marketplace.

Option B: External Mobile Money / Bank Transfer (bKash / Nagad / Rocket / Bank)​

  • Speed: Processed by BDX finance administration within 3 working days.
  • Form Submission: Clicking the external refund choice link opens the secure refund form. You simply input your mobile wallet number (e.g., bKash Personal Number) or bank details.
  • Verification: Your submitted details are verified securely by BDX finance administration to process the mobile money transfer.

3. Financial Mechanics: How Escrow Reversal Works​

BDX handles buyer refunds through automated escrow protection to guarantee zero loss of funds:

Escrow Unlocking​

During the order lifetime, your money is held safely in BDX Escrow. When a refund is granted:

  1. The order status updates to refunded.
  2. The delivery status is marked as refunded.
  3. Seller payout is blocked, preventing any withdrawal of refunded funds.

Ledger Transparency​

Every refund action creates an immutable transaction record in your account history. You can view your updated balance and full history at any time by visiting Account -> Wallet on your BDX dashboard.

4. Partial Refunds​

In certain dispute scenarios, a full refund may not be appropriate—for instance, if you ordered 1,000 game diamonds but only received 500, or if 1 out of 3 software licenses in a bundle was defective.

  • Negotiated Settlement: The seller or BDX admin can propose a Partial Refund amount.
  • Execution: Upon acceptance, the agreed partial amount (e.g., 500 BDT out of a 1,000 BDT order) is immediately refunded to the buyer's BDX Wallet or external account, while the remaining portion (minus BDX commission) is released to the seller.

5. Security & Anti-Fraud Protections​

To protect the BDX financial ecosystem and prevent abuse of the refund mechanism, strict security rules apply:

  • Single Refund Rule: An order can only be refunded once. System locks prevent duplicate refund processing.
  • No Clawback After Confirmation: Once an order has been manually confirmed by the buyer or auto-completed after 7 days, escrow funds are released to the seller's withdrawable wallet. Disputes and automated refunds cannot be opened post-completion.
  • Secure Signed Links: Refund selection links are cryptographically signed and expire after 7 days to prevent unauthorized tampering or link hijack.
  • Chargeback Policy: Buyers attempting fraudulent bank chargebacks while receiving digital goods or processed refunds will face immediate permanent account banning and legal reporting under local Bangladeshi digital commerce regulations.
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