Connecting Clients With Carefully Screened Psychics
Last updated: July 31, 2026
This Payment Policy explains how purchases, account balances, reading charges, refunds, account credits and payment disputes are handled by PsychicOz Inc. through PsychicOz.com.
This policy forms part of the PsychicOz Terms and Conditions. If there is a conflict concerning purchases, reading charges, refunds or account credits, this Payment Policy will control for that payment-related issue unless the Terms expressly state otherwise or applicable law requires otherwise.
Creating a PsychicOz account does not, by itself, authorize a payment or charge.
By submitting a purchase, you authorize PsychicOz Inc. and its payment processors to charge the payment method you select for the amount displayed and approved during checkout.
Before completing a purchase, you will be shown the purchase amount, currency and applicable terms. PsychicOz will not increase the authorized purchase amount without your additional authorization, except where permitted or required by law.
Payment authorization, processing and settlement may occur at different times. A completed charge may appear on your payment account after the authorization date, depending on your payment provider or financial institution.
You must be at least 18 years old, or the applicable age of majority in your jurisdiction if higher, to create a paying account, purchase services or receive readings through PsychicOz.
Purchases must be made by a natural person for personal use. PsychicOz may request additional information or identity verification when reasonably necessary to prevent fraud, confirm payment authorization or comply with legal and payment-processor requirements.
PsychicOz may accept the following payment methods:
Available payment methods may vary depending on your device, location, currency, account status and payment provider.
Payments are processed through third-party payment providers. The terms, privacy policies and eligibility requirements of the selected payment provider may also apply to your transaction.
Charges will appear under either PSYCHICOZ or PSYCHICOZ INC on your bank, card or payment account statement.
If you do not recognize a charge, please contact the PsychicOz Resolution Center as soon as possible so that we can investigate the transaction.
PsychicOz is not a subscription service and does not charge recurring membership fees.
Creating or maintaining a PsychicOz account does not result in automatic monthly billing. You are charged only when you authorize a purchase.
PsychicOz does not automatically replenish your account balance. If your balance becomes low during a reading, you may be offered an opportunity to authorize an additional purchase. If you do not authorize another purchase, the reading may end when your available balance is exhausted.
Clients may purchase funds to add to their PsychicOz account balance. The amount and currency of each purchase are displayed before payment is submitted.
Purchased funds can be used toward eligible PsychicOz readings and services. You are responsible for reviewing and approving the amount before completing the purchase.
Purchased funds, account credits, promotional credits and free minutes may not be transferred between accounts unless PsychicOz approves the transfer or applicable law requires otherwise.
Each psychic’s current rate is displayed on their profile and before a reading begins. Depending on the reading format, a reading may be charged per minute or at a fixed price.
PsychicOz currently offers readings by:
During a phone, online chat or video reading, the applicable rate is deducted from your PsychicOz balance as the reading progresses. Email readings are charged at the price displayed before the reading request is submitted.
You may end a phone, chat or video reading at any time. Charges stop according to the platform’s recorded session time and billing process.
If your available balance runs out during a live reading, the reading may end unless you authorize an additional purchase. PsychicOz will not automatically add funds or charge you for another package without your authorization.
A psychic may request a rate change no more than once during any 30-day period, subject to PsychicOz platform rules. PsychicOz may delay, reject or reverse a requested rate change when necessary to enforce platform rules or correct an error.
A new rate applies only to readings started after the updated rate is displayed and accepted by the client. A psychic cannot change the rate charged for a reading that is already in progress.
You are responsible for reviewing the displayed rate before beginning a new reading.
Eligible phone readings may begin with one free connection minute. When the free connection minute applies, per-minute billing begins when the second minute starts.
The free connection minute is intended to allow time for the client and psychic to connect. It has no cash value and cannot be refunded, transferred or exchanged for account funds.
PsychicOz may offer special pricing, free minutes or promotional credits to eligible new clients.
Introductory offers may be limited to one offer per person, household, payment method, telephone number, device or account. Additional eligibility requirements and restrictions may be displayed with the offer.
Promotional offers may have:
Free minutes, bonuses, coupons and promotional credits have no cash value and cannot be withdrawn, transferred or included when calculating a monetary refund.
PsychicOz may cancel promotional benefits obtained through duplicate accounts, misleading information, unauthorized use or other violations of the promotional terms.
If an eligible paid reading does not connect satisfactorily, submit a request through the PsychicOz Resolution Center within 48 hours after the reading ends.
For an email reading, the 48-hour period begins when the completed email reading is delivered.
Every eligible paid reading may be reviewed, whether it is your first PsychicOz reading or a later reading.
Depending on the circumstances, PsychicOz may provide one or more of the following:
Every request is reviewed individually. Submitting a request does not guarantee that a refund, account credit or other compensation will be approved.
For complete eligibility requirements, exclusions and review procedures, please read the PsychicOz Satisfaction Guarantee.
Psychic readings are personal experiences intended to offer guidance, reflection and perspective. PsychicOz does not guarantee that a prediction will occur or that a reading will produce a particular personal, relationship, career, financial or other outcome.
A prediction that has not occurred is not, by itself, sufficient grounds for a refund or other compensation.
Clients remain responsible for their own decisions and actions. Psychic readings should not replace qualified medical, legal, financial, mental-health or other professional advice.
Billing and technical problems are reviewed separately from dissatisfaction with a psychic connection.
These problems may include:
Please report a billing or technical problem through the Resolution Center as soon as possible. Include enough information to identify the transaction, reading and problem.
When PsychicOz confirms a billing or technical error, it may correct the account balance, issue account credit, provide a full or partial refund or take another appropriate action.
Reporting a legitimate billing or technical problem does not automatically count as submitting a satisfaction claim.
When a monetary refund is approved, PsychicOz will generally return it to the original payment method when possible.
The time required for a refund to appear depends on the payment provider, card issuer, bank or financial institution. PsychicOz cannot control processing times after an approved refund has been submitted to the payment provider.
If the original payment method is unavailable, expired or otherwise unable to receive the refund, PsychicOz may provide account credit or another legally permitted resolution.
A monetary refund generally does not include free minutes, coupons, bonuses or promotional credits because those benefits were not purchased for cash.
Approved account credits are added to the client’s PsychicOz balance and may be used for eligible future PsychicOz services.
Unless required by law:
Requests involving unused purchased balances are reviewed according to the circumstances, applicable law, payment-provider requirements and the PsychicOz Terms and Conditions.
Promotional credits, free minutes, bonuses and coupons are not considered purchased balances and cannot be redeemed for cash.
To request a review of an unused purchased balance, contact the PsychicOz Resolution Center.
Please report a suspected billing error or unrecognized charge as soon as reasonably possible. Prompt notice helps PsychicOz obtain and review relevant transaction, account and reading records.
When submitting a payment inquiry, please provide:
Nothing in this Payment Policy limits payment-dispute or consumer rights that cannot legally be waived. Rights and deadlines provided by your card issuer, payment provider or applicable law may differ from PsychicOz’s internal review periods.
Payments are processed using third-party payment providers and security controls designed to protect payment information. When payment details are entered directly into a provider’s secure payment interface, PsychicOz does not receive or store the full payment-card number. PsychicOz may receive limited transaction details such as a payment token, card brand, last digits, expiration information and transaction status.
PsychicOz handles payment-related and personal information according to its Privacy Policy and applicable payment-security requirements.
PsychicOz may use payment information, transaction records, device information and identity-verification information to process payments, prevent fraud, investigate disputes and comply with legal or payment-processor requirements.
In some cases, PsychicOz may request identity verification before approving or completing a payment.
This may occur when:
Verification information is handled according to the PsychicOz Privacy Policy and applicable data-retention requirements.
PsychicOz may decline, cancel, delay, reverse or refund a transaction when reasonably necessary to:
PsychicOz may restrict or close an account when there is reasonable evidence of fraud, payment misuse, duplicate accounts, unauthorized transactions or other violations of PsychicOz policies.
When you choose PayPal, PayPal determines which PayPal balance, bank account, card or other eligible funding source is used according to your PayPal settings and agreement with PayPal.
You can review eligible funding sources and payment permissions through your PayPal account. PsychicOz does not control how PayPal selects or processes a funding source.
Your use of PayPal is also governed by the applicable PayPal agreements and policies.
When you use Apple Pay or Google Pay, the selected wallet provider and associated card issuer process the payment according to their own terms and settings.
PsychicOz does not control which eligible card or funding source your digital wallet selects. You can review or change your payment methods through your Apple Pay or Google Pay settings.
PsychicOz payment services are not available in certain countries or regions due to legal, regulatory, banking, security or payment-processor restrictions.
Payment availability may change without notice. If a payment cannot be accepted from your location, the payment option may be unavailable or the transaction may be declined.
PsychicOz does not accept client payments from Pakistan.
Attempting to avoid location or payment restrictions by providing misleading information may result in the transaction being declined and the account being restricted or closed.
Unless otherwise stated, prices displayed by PsychicOz are in United States dollars.
Applicable taxes, currency-conversion charges or payment-provider fees may be added or applied where required. Your bank, card issuer or payment provider may charge separate currency-conversion or international-transaction fees. PsychicOz does not control fees imposed independently by those providers.
Consumers may have additional rights under the laws that apply in their country, province, state or region. Nothing in this Payment Policy limits rights that cannot legally be excluded or waived.
European consumers can find information about recognized consumer dispute-resolution organizations through the European Commission’s Consumer Redress resources.
If you wish to contact PsychicOz before approaching an external dispute-resolution organization, please use the Resolution Center or email info@psychicoz.com.
PsychicOz may update reading rates, service prices, fees or promotional offers.
A price change applies only after the updated price is displayed. A price change will not alter the rate for a reading already in progress. The rate displayed and accepted when a reading begins will apply to that reading.
PsychicOz may update this Payment Policy to reflect changes to services, payment methods, legal requirements, payment-provider rules or business practices.
Changes apply prospectively after they are published or otherwise communicated as required by law. The “Last updated” date at the top of this page identifies the most recent revision.
If you have a question about a payment, reading charge, account balance, refund or technical problem, contact the PsychicOz Resolution Center.
Please provide enough information to identify your account, transaction and concern. Do not send complete card numbers, card security codes, passwords or other unnecessary sensitive payment information through email or support forms.