/home/kueuepay/public_html/vendor/maatwebsite/excel/src/Sheet.php
<?php

namespace Maatwebsite\Excel;

use Closure;
use Illuminate\Contracts\Support\Arrayable;
use Illuminate\Support\Collection;
use Illuminate\Support\LazyCollection;
use Maatwebsite\Excel\Concerns\FromArray;
use Maatwebsite\Excel\Concerns\FromCollection;
use Maatwebsite\Excel\Concerns\FromGenerator;
use Maatwebsite\Excel\Concerns\FromIterator;
use Maatwebsite\Excel\Concerns\FromQuery;
use Maatwebsite\Excel\Concerns\FromView;
use Maatwebsite\Excel\Concerns\OnEachRow;
use Maatwebsite\Excel\Concerns\ShouldAutoSize;
use Maatwebsite\Excel\Concerns\SkipsEmptyRows;
use Maatwebsite\Excel\Concerns\ToArray;
use Maatwebsite\Excel\Concerns\ToCollection;
use Maatwebsite\Excel\Concerns\ToModel;
use Maatwebsite\Excel\Concerns\WithCalculatedFormulas;
use Maatwebsite\Excel\Concerns\WithCharts;
use Maatwebsite\Excel\Concerns\WithChunkReading;
use Maatwebsite\Excel\Concerns\WithColumnFormatting;
use Maatwebsite\Excel\Concerns\WithColumnLimit;
use Maatwebsite\Excel\Concerns\WithColumnWidths;
use Maatwebsite\Excel\Concerns\WithCustomChunkSize;
use Maatwebsite\Excel\Concerns\WithCustomStartCell;
use Maatwebsite\Excel\Concerns\WithCustomValueBinder;
use Maatwebsite\Excel\Concerns\WithDrawings;
use Maatwebsite\Excel\Concerns\WithEvents;
use Maatwebsite\Excel\Concerns\WithFormatData;
use Maatwebsite\Excel\Concerns\WithHeadings;
use Maatwebsite\Excel\Concerns\WithMappedCells;
use Maatwebsite\Excel\Concerns\WithMapping;
use Maatwebsite\Excel\Concerns\WithProgressBar;
use Maatwebsite\Excel\Concerns\WithStrictNullComparison;
use Maatwebsite\Excel\Concerns\WithStyles;
use Maatwebsite\Excel\Concerns\WithTitle;
use Maatwebsite\Excel\Concerns\WithValidation;
use Maatwebsite\Excel\Events\AfterSheet;
use Maatwebsite\Excel\Events\BeforeSheet;
use Maatwebsite\Excel\Exceptions\ConcernConflictException;
use Maatwebsite\Excel\Exceptions\RowSkippedException;
use Maatwebsite\Excel\Exceptions\SheetNotFoundException;
use Maatwebsite\Excel\Files\TemporaryFileFactory;
use Maatwebsite\Excel\Helpers\ArrayHelper;
use Maatwebsite\Excel\Helpers\CellHelper;
use Maatwebsite\Excel\Imports\EndRowFinder;
use Maatwebsite\Excel\Imports\HeadingRowExtractor;
use Maatwebsite\Excel\Imports\ModelImporter;
use Maatwebsite\Excel\Validators\RowValidator;
use PhpOffice\PhpSpreadsheet\Cell\Cell as SpreadsheetCell;
use PhpOffice\PhpSpreadsheet\Chart\Chart;
use PhpOffice\PhpSpreadsheet\IOFactory;
use PhpOffice\PhpSpreadsheet\Reader\Html;
use PhpOffice\PhpSpreadsheet\Shared\StringHelper;
use PhpOffice\PhpSpreadsheet\Spreadsheet;
use PhpOffice\PhpSpreadsheet\Worksheet\BaseDrawing;
use PhpOffice\PhpSpreadsheet\Worksheet\Worksheet;

/** @mixin Worksheet */
class Sheet
{
    use DelegatedMacroable, HasEventBus;

    /**
     * @var int
     */
    protected $chunkSize;

    /**
     * @var TemporaryFileFactory
     */
    protected $temporaryFileFactory;

    /**
     * @var object
     */
    protected $exportable;

    /**
     * @var Worksheet
     */
    private $worksheet;

    /**
     * @param  Worksheet  $worksheet
     */
    public function __construct(Worksheet $worksheet)
    {
        $this->worksheet            = $worksheet;
        $this->chunkSize            = config('excel.exports.chunk_size', 100);
        $this->temporaryFileFactory = app(TemporaryFileFactory::class);
    }

    /**
     * @param  Spreadsheet  $spreadsheet
     * @param  string|int  $index
     * @return Sheet
     *
     * @throws \PhpOffice\PhpSpreadsheet\Exception
     * @throws SheetNotFoundException
     */
    public static function make(Spreadsheet $spreadsheet, $index)
    {
        if (is_numeric($index)) {
            return self::byIndex($spreadsheet, $index);
        }

        return self::byName($spreadsheet, $index);
    }

    /**
     * @param  Spreadsheet  $spreadsheet
     * @param  int  $index
     * @return Sheet
     *
     * @throws \PhpOffice\PhpSpreadsheet\Exception
     * @throws SheetNotFoundException
     */
    public static function byIndex(Spreadsheet $spreadsheet, int $index): Sheet
    {
        if (!isset($spreadsheet->getAllSheets()[$index])) {
            throw SheetNotFoundException::byIndex($index, $spreadsheet->getSheetCount());
        }

        return new static($spreadsheet->getSheet($index));
    }

    /**
     * @param  Spreadsheet  $spreadsheet
     * @param  string  $name
     * @return Sheet
     *
     * @throws SheetNotFoundException
     */
    public static function byName(Spreadsheet $spreadsheet, string $name): Sheet
    {
        if (!$spreadsheet->sheetNameExists($name)) {
            throw SheetNotFoundException::byName($name);
        }

        return new static($spreadsheet->getSheetByName($name));
    }

    /**
     * @param  object  $sheetExport
     *
     * @throws \PhpOffice\PhpSpreadsheet\Exception
     */
    public function open($sheetExport)
    {
        $this->exportable = $sheetExport;

        if ($sheetExport instanceof WithCustomValueBinder) {
            SpreadsheetCell::setValueBinder($sheetExport);
        }

        if ($sheetExport instanceof WithEvents) {
            $this->registerListeners($sheetExport->registerEvents());
        }

        $this->raise(new BeforeSheet($this, $this->exportable));

        if ($sheetExport instanceof WithTitle) {
            $title = $sheetExport->title();

            $title = str_replace(['*', ':', '/', '\\', '?', '[', ']'], '', $title);
            if (StringHelper::countCharacters($title) > Worksheet::SHEET_TITLE_MAXIMUM_LENGTH) {
                $title = StringHelper::substring($title, 0, Worksheet::SHEET_TITLE_MAXIMUM_LENGTH);
            }

            $this->worksheet->setTitle($title);
        }

        if (($sheetExport instanceof FromQuery || $sheetExport instanceof FromCollection || $sheetExport instanceof FromArray) && $sheetExport instanceof FromView) {
            throw ConcernConflictException::queryOrCollectionAndView();
        }

        if (!$sheetExport instanceof FromView && $sheetExport instanceof WithHeadings) {
            if ($sheetExport instanceof WithCustomStartCell) {
                $startCell = $sheetExport->startCell();
            }

            $this->append(
                ArrayHelper::ensureMultipleRows($sheetExport->headings()),
                $startCell ?? null,
                $this->hasStrictNullComparison($sheetExport)
            );
        }

        if ($sheetExport instanceof WithCharts) {
            $this->addCharts($sheetExport->charts());
        }
    }

    /**
     * @param  object  $sheetExport
     *
     * @throws \PhpOffice\PhpSpreadsheet\Exception
     * @throws \PhpOffice\PhpSpreadsheet\Reader\Exception
     */
    public function export($sheetExport)
    {
        $this->open($sheetExport);

        if ($sheetExport instanceof FromView) {
            $this->fromView($sheetExport);
        } else {
            if ($sheetExport instanceof FromQuery) {
                $this->fromQuery($sheetExport, $this->worksheet);
            }

            if ($sheetExport instanceof FromCollection) {
                $this->fromCollection($sheetExport);
            }

            if ($sheetExport instanceof FromArray) {
                $this->fromArray($sheetExport);
            }

            if ($sheetExport instanceof FromIterator) {
                $this->fromIterator($sheetExport);
            }

            if ($sheetExport instanceof FromGenerator) {
                $this->fromGenerator($sheetExport);
            }
        }

        $this->close($sheetExport);
    }

    /**
     * @param  object  $import
     * @param  int  $startRow
     */
    public function import($import, int $startRow = 1)
    {
        if ($import instanceof WithEvents) {
            $this->registerListeners($import->registerEvents());
        }

        $this->raise(new BeforeSheet($this, $import));

        if ($import instanceof WithProgressBar && !$import instanceof WithChunkReading) {
            $import->getConsoleOutput()->progressStart($this->worksheet->getHighestRow());
        }

        $calculatesFormulas = $import instanceof WithCalculatedFormulas;
        $formatData         = $import instanceof WithFormatData;

        if ($import instanceof WithMappedCells) {
            app(MappedReader::class)->map($import, $this->worksheet);
        } else {
            if ($import instanceof ToModel) {
                app(ModelImporter::class)->import($this->worksheet, $import, $startRow);
            }

            if ($import instanceof ToCollection) {
                $rows = $this->toCollection($import, $startRow, null, $calculatesFormulas, $formatData);

                if ($import instanceof WithValidation) {
                    $rows = $this->validated($import, $startRow, $rows);
                }

                $import->collection($rows);
            }

            if ($import instanceof ToArray) {
                $rows = $this->toArray($import, $startRow, null, $calculatesFormulas, $formatData);

                if ($import instanceof WithValidation) {
                    $rows = $this->validated($import, $startRow, $rows);
                }

                $import->array($rows);
            }
        }

        if ($import instanceof OnEachRow) {
            $headingRow          = HeadingRowExtractor::extract($this->worksheet, $import);
            $headerIsGrouped     = HeadingRowExtractor::extractGrouping($headingRow, $import);
            $endColumn           = $import instanceof WithColumnLimit ? $import->endColumn() : null;
            $preparationCallback = $this->getPreparationCallback($import);

            foreach ($this->worksheet->getRowIterator()->resetStart($startRow ?? 1) as $row) {
                $sheetRow = new Row($row, $headingRow, $headerIsGrouped);

                if ($import instanceof WithValidation) {
                    $sheetRow->setPreparationCallback($preparationCallback);
                }

                $rowArray                    = $sheetRow->toArray(null, $import instanceof WithCalculatedFormulas, $import instanceof WithFormatData, $endColumn);
                $rowIsEmptyAccordingToImport = $import instanceof SkipsEmptyRows && method_exists($import, 'isEmptyWhen') && $import->isEmptyWhen($rowArray);
                if (!$import instanceof SkipsEmptyRows || ($import instanceof SkipsEmptyRows && (!$rowIsEmptyAccordingToImport && !$sheetRow->isEmpty($calculatesFormulas)))) {
                    if ($import instanceof WithValidation) {
                        $toValidate = [$sheetRow->getIndex() => $rowArray];

                        try {
                            app(RowValidator::class)->validate($toValidate, $import);
                            $import->onRow($sheetRow);
                        } catch (RowSkippedException $e) {
                        }
                    } else {
                        $import->onRow($sheetRow);
                    }
                }

                if ($import instanceof WithProgressBar) {
                    $import->getConsoleOutput()->progressAdvance();
                }
            }
        }

        $this->raise(new AfterSheet($this, $import));

        if ($import instanceof WithProgressBar && !$import instanceof WithChunkReading) {
            $import->getConsoleOutput()->progressFinish();
        }
    }

    /**
     * @param  object  $import
     * @param  int|null  $startRow
     * @param  null  $nullValue
     * @param  bool  $calculateFormulas
     * @param  bool  $formatData
     * @return array
     */
    public function toArray($import, int $startRow = null, $nullValue = null, $calculateFormulas = false, $formatData = false)
    {
        if ($startRow > $this->worksheet->getHighestRow()) {
            return [];
        }

        $endRow          = EndRowFinder::find($import, $startRow, $this->worksheet->getHighestRow());
        $headingRow      = HeadingRowExtractor::extract($this->worksheet, $import);
        $headerIsGrouped = HeadingRowExtractor::extractGrouping($headingRow, $import);
        $endColumn       = $import instanceof WithColumnLimit ? $import->endColumn() : null;

        $rows = [];
        foreach ($this->worksheet->getRowIterator($startRow, $endRow) as $index => $row) {
            $row = new Row($row, $headingRow, $headerIsGrouped);

            if ($import instanceof SkipsEmptyRows && $row->isEmpty($calculateFormulas, $endColumn)) {
                continue;
            }

            $row = $row->toArray($nullValue, $calculateFormulas, $formatData, $endColumn);

            if ($import && method_exists($import, 'isEmptyWhen') && $import->isEmptyWhen($row)) {
                continue;
            }

            if ($import instanceof WithMapping) {
                $row = $import->map($row);
            }

            if ($import instanceof WithValidation && method_exists($import, 'prepareForValidation')) {
                $row = $import->prepareForValidation($row, $index);
            }

            $rows[] = $row;

            if ($import instanceof WithProgressBar) {
                $import->getConsoleOutput()->progressAdvance();
            }
        }

        return $rows;
    }

    /**
     * @param  object  $import
     * @param  int|null  $startRow
     * @param  null  $nullValue
     * @param  bool  $calculateFormulas
     * @param  bool  $formatData
     * @return Collection
     */
    public function toCollection($import, int $startRow = null, $nullValue = null, $calculateFormulas = false, $formatData = false): Collection
    {
        $rows = $this->toArray($import, $startRow, $nullValue, $calculateFormulas, $formatData);

        return new Collection(array_map(function (array $row) {
            return new Collection($row);
        }, $rows));
    }

    /**
     * @param  object  $sheetExport
     *
     * @throws \PhpOffice\PhpSpreadsheet\Exception
     */
    public function close($sheetExport)
    {
        if ($sheetExport instanceof WithDrawings) {
            $this->addDrawings($sheetExport->drawings());
        }

        $this->exportable = $sheetExport;

        if ($sheetExport instanceof WithColumnFormatting) {
            foreach ($sheetExport->columnFormats() as $column => $format) {
                $this->formatColumn($column, $format);
            }
        }

        if ($sheetExport instanceof ShouldAutoSize) {
            $this->autoSize();
        }

        if ($sheetExport instanceof WithColumnWidths) {
            foreach ($sheetExport->columnWidths() as $column => $width) {
                $this->worksheet->getColumnDimension($column)->setAutoSize(false)->setWidth($width);
            }
        }

        if ($sheetExport instanceof WithStyles) {
            $styles = $sheetExport->styles($this->worksheet);
            if (is_array($styles)) {
                foreach ($styles as $coordinate => $coordinateStyles) {
                    if (is_numeric($coordinate)) {
                        $coordinate = 'A' . $coordinate . ':' . $this->worksheet->getHighestColumn($coordinate) . $coordinate;
                    }

                    $this->worksheet->getStyle($coordinate)->applyFromArray($coordinateStyles);
                }
            }
        }

        $this->raise(new AfterSheet($this, $this->exportable));

        $this->clearListeners();
    }

    /**
     * @param  FromView  $sheetExport
     * @param  int|null  $sheetIndex
     *
     * @throws \PhpOffice\PhpSpreadsheet\Reader\Exception
     */
    public function fromView(FromView $sheetExport, $sheetIndex = null)
    {
        $temporaryFile = $this->temporaryFileFactory->makeLocal(null, 'html');
        $temporaryFile->put($sheetExport->view()->render());

        $spreadsheet = $this->worksheet->getParent();

        /** @var Html $reader */
        $reader = IOFactory::createReader('Html');

        // If no sheetIndex given, insert content into the last sheet
        $reader->setSheetIndex($sheetIndex ?? $spreadsheet->getSheetCount() - 1);
        $reader->loadIntoExisting($temporaryFile->getLocalPath(), $spreadsheet);

        $temporaryFile->delete();
    }

    /**
     * @param  FromQuery  $sheetExport
     * @param  Worksheet  $worksheet
     */
    public function fromQuery(FromQuery $sheetExport, Worksheet $worksheet)
    {
        if ($sheetExport->query() instanceof \Laravel\Scout\Builder) {
            $this->fromScout($sheetExport, $worksheet);

            return;
        }

        $sheetExport->query()->chunk($this->getChunkSize($sheetExport), function ($chunk) use ($sheetExport) {
            $this->appendRows($chunk, $sheetExport);
        });
    }

    /**
     * @param  FromQuery  $sheetExport
     * @param  Worksheet  $worksheet
     */
    public function fromScout(FromQuery $sheetExport, Worksheet $worksheet)
    {
        $scout     = $sheetExport->query();
        $chunkSize = $this->getChunkSize($sheetExport);

        $chunk = $scout->paginate($chunkSize);
        // Append first page
        $this->appendRows($chunk->items(), $sheetExport);

        // Append rest of pages
        for ($page = 2; $page <= $chunk->lastPage(); $page++) {
            $this->appendRows($scout->paginate($chunkSize, 'page', $page)->items(), $sheetExport);
        }
    }

    /**
     * @param  FromCollection  $sheetExport
     */
    public function fromCollection(FromCollection $sheetExport)
    {
        $this->appendRows($sheetExport->collection()->all(), $sheetExport);
    }

    /**
     * @param  FromArray  $sheetExport
     */
    public function fromArray(FromArray $sheetExport)
    {
        $this->appendRows($sheetExport->array(), $sheetExport);
    }

    /**
     * @param  FromIterator  $sheetExport
     */
    public function fromIterator(FromIterator $sheetExport)
    {
        $iterator = class_exists(LazyCollection::class) ? new LazyCollection(function () use ($sheetExport) {
            foreach ($sheetExport->iterator() as $row) {
                yield $row;
            }
        }) : $sheetExport->iterator();

        $this->appendRows($iterator, $sheetExport);
    }

    /**
     * @param  FromGenerator  $sheetExport
     */
    public function fromGenerator(FromGenerator $sheetExport)
    {
        $generator = class_exists(LazyCollection::class) ? new LazyCollection(function () use ($sheetExport) {
            foreach ($sheetExport->generator() as $row) {
                yield $row;
            }
        }) : $sheetExport->generator();

        $this->appendRows($generator, $sheetExport);
    }

    /**
     * @param  array  $rows
     * @param  string|null  $startCell
     * @param  bool  $strictNullComparison
     */
    public function append(array $rows, string $startCell = null, bool $strictNullComparison = false)
    {
        if (!$startCell) {
            $startCell = 'A1';
        }

        if ($this->hasRows()) {
            $startCell = CellHelper::getColumnFromCoordinate($startCell) . ($this->worksheet->getHighestRow() + 1);
        }

        $this->worksheet->fromArray($rows, null, $startCell, $strictNullComparison);
    }

    public function autoSize()
    {
        foreach ($this->buildColumnRange('A', $this->worksheet->getHighestDataColumn()) as $col) {
            $dimension = $this->worksheet->getColumnDimension($col);

            // Only auto-size columns that have not have an explicit width.
            if ($dimension->getWidth() == -1) {
                $dimension->setAutoSize(true);
            }
        }
    }

    /**
     * @param  string  $column
     * @param  string  $format
     *
     * @throws \PhpOffice\PhpSpreadsheet\Exception
     */
    public function formatColumn(string $column, string $format)
    {
        // If the column is a range, we wouldn't need to calculate the range.
        if (stripos($column, ':') !== false) {
            $this->worksheet
                ->getStyle($column)
                ->getNumberFormat()
                ->setFormatCode($format);
        } else {
            $this->worksheet
                ->getStyle($column . '1:' . $column . $this->worksheet->getHighestRow())
                ->getNumberFormat()
                ->setFormatCode($format);
        }
    }

    /**
     * @param  int  $chunkSize
     * @return Sheet
     */
    public function chunkSize(int $chunkSize)
    {
        $this->chunkSize = $chunkSize;

        return $this;
    }

    /**
     * @return Worksheet
     */
    public function getDelegate()
    {
        return $this->worksheet;
    }

    /**
     * @param  Chart|Chart[]  $charts
     */
    public function addCharts($charts)
    {
        $charts = \is_array($charts) ? $charts : [$charts];

        foreach ($charts as $chart) {
            $this->worksheet->addChart($chart);
        }
    }

    /**
     * @param  BaseDrawing|BaseDrawing[]  $drawings
     */
    public function addDrawings($drawings)
    {
        $drawings = \is_array($drawings) ? $drawings : [$drawings];

        foreach ($drawings as $drawing) {
            $drawing->setWorksheet($this->worksheet);
        }
    }

    /**
     * @param  string  $concern
     * @return string
     */
    public function hasConcern(string $concern): string
    {
        return $this->exportable instanceof $concern;
    }

    /**
     * @param  iterable  $rows
     * @param  object  $sheetExport
     */
    public function appendRows($rows, $sheetExport)
    {
        if (method_exists($sheetExport, 'prepareRows')) {
            $rows = $sheetExport->prepareRows($rows);
        }

        $rows = $rows instanceof LazyCollection ? $rows : new Collection($rows);

        $rows->flatMap(function ($row) use ($sheetExport) {
            if ($sheetExport instanceof WithMapping) {
                $row = $sheetExport->map($row);
            }

            if ($sheetExport instanceof WithCustomValueBinder) {
                SpreadsheetCell::setValueBinder($sheetExport);
            }

            return ArrayHelper::ensureMultipleRows(
                static::mapArraybleRow($row)
            );
        })->chunk(1000)->each(function ($rows) use ($sheetExport) {
            $this->append(
                $rows->toArray(),
                $sheetExport instanceof WithCustomStartCell ? $sheetExport->startCell() : null,
                $this->hasStrictNullComparison($sheetExport)
            );
        });
    }

    /**
     * @param  mixed  $row
     * @return array
     */
    public static function mapArraybleRow($row): array
    {
        // When dealing with eloquent models, we'll skip the relations
        // as we won't be able to display them anyway.
        if (is_object($row) && method_exists($row, 'attributesToArray')) {
            return $row->attributesToArray();
        }

        if ($row instanceof Arrayable) {
            return $row->toArray();
        }

        // Convert StdObjects to arrays
        if (is_object($row)) {
            return json_decode(json_encode($row), true);
        }

        return $row;
    }

    /**
     * @param  $sheetImport
     * @return int
     */
    public function getStartRow($sheetImport): int
    {
        return HeadingRowExtractor::determineStartRow($sheetImport);
    }

    /**
     * Disconnect the sheet.
     */
    public function disconnect()
    {
        $this->worksheet->disconnectCells();
        unset($this->worksheet);
    }

    /**
     * @return Collection|array
     */
    protected function validated(WithValidation $import, int $startRow, $rows)
    {
        $toValidate = (new Collection($rows))->mapWithKeys(function ($row, $index) use ($startRow) {
            return [($startRow + $index) => $row];
        });

        try {
            app(RowValidator::class)->validate($toValidate->toArray(), $import);
        } catch (RowSkippedException $e) {
            foreach ($e->skippedRows() as $row) {
                unset($rows[$row - $startRow]);
            }
        }

        return $rows;
    }

    /**
     * @param  string  $lower
     * @param  string  $upper
     * @return \Generator
     */
    protected function buildColumnRange(string $lower, string $upper)
    {
        $upper++;
        for ($i = $lower; $i !== $upper; $i++) {
            yield $i;
        }
    }

    /**
     * @return bool
     */
    private function hasRows(): bool
    {
        $startCell = 'A1';
        if ($this->exportable instanceof WithCustomStartCell) {
            $startCell = $this->exportable->startCell();
        }

        return $this->worksheet->cellExists($startCell);
    }

    /**
     * @param  object  $sheetExport
     * @return bool
     */
    private function hasStrictNullComparison($sheetExport): bool
    {
        if ($sheetExport instanceof WithStrictNullComparison) {
            return true;
        }

        return config('excel.exports.strict_null_comparison', false);
    }

    /**
     * @param  object|WithCustomChunkSize  $export
     * @return int
     */
    private function getChunkSize($export): int
    {
        if ($export instanceof WithCustomChunkSize) {
            return $export->chunkSize();
        }

        return $this->chunkSize;
    }

    /**
     * @param  object|WithValidation  $import
     * @return Closure|null
     */
    private function getPreparationCallback($import)
    {
        if (!$import instanceof WithValidation || !method_exists($import, 'prepareForValidation')) {
            return null;
        }

        return function (array $data, int $index) use ($import) {
            return $import->prepareForValidation($data, $index);
        };
    }
}
Refund Policy
top

At NFC Pay, we strive to provide a seamless and satisfactory experience with our services. This Refund Policy outlines the circumstances under which refunds may be issued for transactions made through our platform. Please read this policy carefully to understand your rights regarding refunds.
1. Eligibility for Refunds
Refunds may be considered under the following circumstances:
 

2. Non-Refundable Situations
Refunds will generally not be issued in the following situations:
 

3. Refund Process
To request a refund, please follow these steps:
 

  1. Contact Customer Support: Reach out to our customer support team via [email/phone/app support chat] with your transaction details, including the date, amount, and reason for the refund request.
  2. Investigation: Our team will review your request and may ask for additional information or documentation to support your claim. This process typically takes [5-10 business days], depending on the complexity of the issue.
  3. Refund Decision: After reviewing your request, we will notify you of our decision. If approved, the refund will be processed back to your original payment method. The timing of the refund will depend on your bank or payment provider and may take up to [10 business days] to reflect in your account.

4. Refund Exceptions
Certain transactions may be subject to specific terms and conditions, including non-refundable fees or charges. Please review the terms associated with each transaction carefully, as some fees may not be eligible for refunds.
5. Modifications to the Refund Policy
NFC Pay reserves the right to modify this Refund Policy at any time. Changes will be communicated through updates on our website and app, and the effective date will be updated accordingly. We encourage you to review this policy periodically to stay informed about our refund practices.
By using NFC Pay, you agree to this Refund Policy and understand the terms under which refunds may be issued. Our goal is to ensure a fair and transparent refund process, providing you with confidence and peace of mind when using our services.