Last Updated: July 1, 2026 | Servana Nigeria (Nortbitech Groups) | support@servana.ng

Payment Policy

This Payment Policy explains how payments are processed on Servana, what methods are accepted, and how we handle payment issues, chargebacks, and receipts.

1. Accepted Payment Methods

Servana accepts the following payment methods for orders, bookings, and wallet top-ups:

• Debit & credit cards: Visa, Mastercard, Verve (processed via Paystack and Flutterwave)
• Bank transfer: Direct bank transfer to Servana's designated account
• USSD: Pay via mobile banking USSD codes
• Mobile money: Supported mobile wallet providers
• Servana Wallet: Pay from your stored wallet balance
• Cash on delivery (COD): Pay the delivery partner in cash upon receipt (available in select locations and for eligible order types)

2. Payment Processors

All card and bank payments are processed by licensed Nigerian payment gateways:

• Paystack — PCI-DSS compliant payment processing
• Flutterwave — Licensed payment service provider

Servana does not store full card numbers, CVV codes, or PINs on our servers. Payment data is tokenized and handled securely by our payment partners.

3. Currency

All transactions on Servana are denominated in Nigerian Naira (NGN / ₦). Prices displayed include the base amount; applicable taxes, delivery fees, and service charges are shown at checkout before payment confirmation.

4. Payment Authorization

When you place an order or booking:

1. The total amount (including fees) is displayed at checkout
2. You authorize payment by confirming your order
3. Your payment method is charged or wallet is debited
4. You receive an order confirmation with payment receipt

For card payments, authorization may be placed at order time and captured upon vendor acceptance or shipment.

5. Failed Payments

Payments may fail due to insufficient funds, expired cards, network issues, or bank declines. If payment fails:

• Your order will not be confirmed
• You may retry with the same or different payment method
• Pending wallet debits are automatically reversed
• Contact your bank if failures persist

6. Servana Wallet Payments

Paying from your Servana Wallet is instant. If your wallet balance is insufficient, you can top up or split payment between wallet and another method. See our Wallet Terms.

7. Cash on Delivery

Where COD is available, you pay the delivery partner in cash upon receiving your order. Ensure you have the exact amount ready. COD orders may have lower priority or additional verification requirements. Servana is not responsible for change issues between you and the delivery partner.

8. Refunds

Approved refunds are processed as follows:

• Wallet: Credited instantly (preferred method)
• Card: Reversed to original card within 5–14 business days (depends on your bank)
• Bank transfer: Refunded to source account within 3–7 business days

See our Refund & Return Policy for eligibility.

9. Chargebacks & Disputes

If you dispute a charge with your bank (chargeback) without first contacting Servana support, your account may be suspended pending investigation. We encourage you to use our Complaint Resolution Policy before initiating chargebacks. Fraudulent chargebacks may result in permanent account termination.

10. Receipts & Invoices

Payment receipts are available in:

• Order history in the app (My Orders)
• Wallet transaction history
• Email confirmation sent upon successful payment

Business customers may request formal invoices by contacting support@servana.ng.

11. Security

All payment pages use HTTPS/TLS encryption. We implement fraud detection systems to protect against unauthorized transactions. Report suspicious payment activity immediately to security@servana.ng.

12. Contact

Payment support: payments@servana.ng · Response time for payment issues: within 4 hours during business hours.

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Questions? Contact support@servana.ng or privacy@servana.ng.