Refund Policy

# Changelog ## [6.10.0](https://github.com/firebase/php-jwt/compare/v6.9.0...v6.10.0) (2023-11-28) ### Features * allow typ header override ([#546](https://github.com/firebase/php-jwt/issues/546)) ([79cb30b](https://github.com/firebase/php-jwt/commit/79cb30b729a22931b2fbd6b53f20629a83031ba9)) ## [6.9.0](https://github.com/firebase/php-jwt/compare/v6.8.1...v6.9.0) (2023-10-04) ### Features * add payload to jwt exception ([#521](https://github.com/firebase/php-jwt/issues/521)) ([175edf9](https://github.com/firebase/php-jwt/commit/175edf958bb61922ec135b2333acf5622f2238a2)) ## [6.8.1](https://github.com/firebase/php-jwt/compare/v6.8.0...v6.8.1) (2023-07-14) ### Bug Fixes * accept float claims but round down to ignore them ([#492](https://github.com/firebase/php-jwt/issues/492)) ([3936842](https://github.com/firebase/php-jwt/commit/39368423beeaacb3002afa7dcb75baebf204fe7e)) * different BeforeValidException messages for nbf and iat ([#526](https://github.com/firebase/php-jwt/issues/526)) ([0a53cf2](https://github.com/firebase/php-jwt/commit/0a53cf2986e45c2bcbf1a269f313ebf56a154ee4)) ## [6.8.0](https://github.com/firebase/php-jwt/compare/v6.7.0...v6.8.0) (2023-06-14) ### Features * add support for P-384 curve ([#515](https://github.com/firebase/php-jwt/issues/515)) ([5de4323](https://github.com/firebase/php-jwt/commit/5de4323f4baf4d70bca8663bd87682a69c656c3d)) ### Bug Fixes * handle invalid http responses ([#508](https://github.com/firebase/php-jwt/issues/508)) ([91c39c7](https://github.com/firebase/php-jwt/commit/91c39c72b22fc3e1191e574089552c1f2041c718)) ## [6.7.0](https://github.com/firebase/php-jwt/compare/v6.6.0...v6.7.0) (2023-06-14) ### Features * add ed25519 support to JWK (public keys) ([#452](https://github.com/firebase/php-jwt/issues/452)) ([e53979a](https://github.com/firebase/php-jwt/commit/e53979abae927de916a75b9d239cfda8ce32be2a)) ## [6.6.0](https://github.com/firebase/php-jwt/compare/v6.5.0...v6.6.0) (2023-06-13) ### Features * allow get headers when decoding token ([#442](https://github.com/firebase/php-jwt/issues/442)) ([fb85f47](https://github.com/firebase/php-jwt/commit/fb85f47cfaeffdd94faf8defdf07164abcdad6c3)) ### Bug Fixes * only check iat if nbf is not used ([#493](https://github.com/firebase/php-jwt/issues/493)) ([398ccd2](https://github.com/firebase/php-jwt/commit/398ccd25ea12fa84b9e4f1085d5ff448c21ec797)) ## [6.5.0](https://github.com/firebase/php-jwt/compare/v6.4.0...v6.5.0) (2023-05-12) ### Bug Fixes * allow KID of '0' ([#505](https://github.com/firebase/php-jwt/issues/505)) ([9dc46a9](https://github.com/firebase/php-jwt/commit/9dc46a9c3e5801294249cfd2554c5363c9f9326a)) ### Miscellaneous Chores * drop support for PHP 7.3 ([#495](https://github.com/firebase/php-jwt/issues/495)) ## [6.4.0](https://github.com/firebase/php-jwt/compare/v6.3.2...v6.4.0) (2023-02-08) ### Features * add support for W3C ES256K ([#462](https://github.com/firebase/php-jwt/issues/462)) ([213924f](https://github.com/firebase/php-jwt/commit/213924f51936291fbbca99158b11bd4ae56c2c95)) * improve caching by only decoding jwks when necessary ([#486](https://github.com/firebase/php-jwt/issues/486)) ([78d3ed1](https://github.com/firebase/php-jwt/commit/78d3ed1073553f7d0bbffa6c2010009a0d483d5c)) ## [6.3.2](https://github.com/firebase/php-jwt/compare/v6.3.1...v6.3.2) (2022-11-01) ### Bug Fixes * check kid before using as array index ([bad1b04](https://github.com/firebase/php-jwt/commit/bad1b040d0c736bbf86814c6b5ae614f517cf7bd)) ## [6.3.1](https://github.com/firebase/php-jwt/compare/v6.3.0...v6.3.1) (2022-11-01) ### Bug Fixes * casing of GET for PSR compat ([#451](https://github.com/firebase/php-jwt/issues/451)) ([60b52b7](https://github.com/firebase/php-jwt/commit/60b52b71978790eafcf3b95cfbd83db0439e8d22)) * string interpolation format for php 8.2 ([#446](https://github.com/firebase/php-jwt/issues/446)) ([2e07d8a](https://github.com/firebase/php-jwt/commit/2e07d8a1524d12b69b110ad649f17461d068b8f2)) ## 6.3.0 / 2022-07-15 - Added ES256 support to JWK parsing ([#399](https://github.com/firebase/php-jwt/pull/399)) - Fixed potential caching error in `CachedKeySet` by caching jwks as strings ([#435](https://github.com/firebase/php-jwt/pull/435)) ## 6.2.0 / 2022-05-14 - Added `CachedKeySet` ([#397](https://github.com/firebase/php-jwt/pull/397)) - Added `$defaultAlg` parameter to `JWT::parseKey` and `JWT::parseKeySet` ([#426](https://github.com/firebase/php-jwt/pull/426)). ## 6.1.0 / 2022-03-23 - Drop support for PHP 5.3, 5.4, 5.5, 5.6, and 7.0 - Add parameter typing and return types where possible ## 6.0.0 / 2022-01-24 - **Backwards-Compatibility Breaking Changes**: See the [Release Notes](https://github.com/firebase/php-jwt/releases/tag/v6.0.0) for more information. - New Key object to prevent key/algorithm type confusion (#365) - Add JWK support (#273) - Add ES256 support (#256) - Add ES384 support (#324) - Add Ed25519 support (#343) ## 5.0.0 / 2017-06-26 - Support RS384 and RS512. See [#117](https://github.com/firebase/php-jwt/pull/117). Thanks [@joostfaassen](https://github.com/joostfaassen)! - Add an example for RS256 openssl. See [#125](https://github.com/firebase/php-jwt/pull/125). Thanks [@akeeman](https://github.com/akeeman)! - Detect invalid Base64 encoding in signature. See [#162](https://github.com/firebase/php-jwt/pull/162). Thanks [@psignoret](https://github.com/psignoret)! - Update `JWT::verify` to handle OpenSSL errors. See [#159](https://github.com/firebase/php-jwt/pull/159). Thanks [@bshaffer](https://github.com/bshaffer)! - Add `array` type hinting to `decode` method See [#101](https://github.com/firebase/php-jwt/pull/101). Thanks [@hywak](https://github.com/hywak)! - Add all JSON error types. See [#110](https://github.com/firebase/php-jwt/pull/110). Thanks [@gbalduzzi](https://github.com/gbalduzzi)! - Bugfix 'kid' not in given key list. See [#129](https://github.com/firebase/php-jwt/pull/129). Thanks [@stampycode](https://github.com/stampycode)! - Miscellaneous cleanup, documentation and test fixes. See [#107](https://github.com/firebase/php-jwt/pull/107), [#115](https://github.com/firebase/php-jwt/pull/115), [#160](https://github.com/firebase/php-jwt/pull/160), [#161](https://github.com/firebase/php-jwt/pull/161), and [#165](https://github.com/firebase/php-jwt/pull/165). Thanks [@akeeman](https://github.com/akeeman), [@chinedufn](https://github.com/chinedufn), and [@bshaffer](https://github.com/bshaffer)! ## 4.0.0 / 2016-07-17 - Add support for late static binding. See [#88](https://github.com/firebase/php-jwt/pull/88) for details. Thanks to [@chappy84](https://github.com/chappy84)! - Use static `$timestamp` instead of `time()` to improve unit testing. See [#93](https://github.com/firebase/php-jwt/pull/93) for details. Thanks to [@josephmcdermott](https://github.com/josephmcdermott)! - Fixes to exceptions classes. See [#81](https://github.com/firebase/php-jwt/pull/81) for details. Thanks to [@Maks3w](https://github.com/Maks3w)! - Fixes to PHPDoc. See [#76](https://github.com/firebase/php-jwt/pull/76) for details. Thanks to [@akeeman](https://github.com/akeeman)! ## 3.0.0 / 2015-07-22 - Minimum PHP version updated from `5.2.0` to `5.3.0`. - Add `\Firebase\JWT` namespace. See [#59](https://github.com/firebase/php-jwt/pull/59) for details. Thanks to [@Dashron](https://github.com/Dashron)! - Require a non-empty key to decode and verify a JWT. See [#60](https://github.com/firebase/php-jwt/pull/60) for details. Thanks to [@sjones608](https://github.com/sjones608)! - Cleaner documentation blocks in the code. See [#62](https://github.com/firebase/php-jwt/pull/62) for details. Thanks to [@johanderuijter](https://github.com/johanderuijter)! ## 2.2.0 / 2015-06-22 - Add support for adding custom, optional JWT headers to `JWT::encode()`. See [#53](https://github.com/firebase/php-jwt/pull/53/files) for details. Thanks to [@mcocaro](https://github.com/mcocaro)! ## 2.1.0 / 2015-05-20 - Add support for adding a leeway to `JWT:decode()` that accounts for clock skew between signing and verifying entities. Thanks to [@lcabral](https://github.com/lcabral)! - Add support for passing an object implementing the `ArrayAccess` interface for `$keys` argument in `JWT::decode()`. Thanks to [@aztech-dev](https://github.com/aztech-dev)! ## 2.0.0 / 2015-04-01 - **Note**: It is strongly recommended that you update to > v2.0.0 to address known security vulnerabilities in prior versions when both symmetric and asymmetric keys are used together. - Update signature for `JWT::decode(...)` to require an array of supported algorithms to use when verifying token signatures.

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:

Unauthorized Transactions: If you believe that an unauthorized transaction has occurred on your account, you must report it to us within [30 days] of the transaction date. We will investigate the claim, and if confirmed as unauthorized, a refund will be issued.
Technical Errors: If a transaction fails due to a technical error on our platform, resulting in an incorrect charge, you may be eligible for a refund. Please report the issue to our customer support team as soon as possible.
Service Errors: If a payment was made in error due to a system malfunction or incorrect processing by NFC Pay, you may request a refund. Proof of the error may be required to process your request.

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

Completed Transactions: Refunds cannot be processed for completed transactions where the goods or services have already been received as intended.
Merchant Issues: NFC Pay is a payment facilitator and is not responsible for disputes related to the quality or delivery of goods and services provided by merchants. Refunds in these cases must be resolved directly with the merchant.
User Errors: Transactions resulting from user errors, such as incorrect recipient details or duplicate payments, are generally not eligible for refunds. Please double-check your details before confirming any transaction.

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

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.
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.
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.

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