1. Purpose of This Policy

This Payment & Payout Policy outlines how GlobeWanderJoy processes traveler payments, issues provider payouts, manages refunds, and ensures financial security across all transactions. All financial operations on GlobeWanderJoy are conducted exclusively through PayPal, a globally trusted payment platform available in both Australia and Sri Lanka.

This policy applies to all travellers, providers, and partners using GlobeWanderJoy.

2. Payment Processing for Travelers

2.1 Secure PayPal Checkout - All traveller payments are processed through PayPal's PCI-compliant, encrypted infrastructure, ensuring secure international transactions and fraud protection.

2.2 Accepted Payment Methods - Travelers may pay using:

• PayPal account
• Credit or debit cards via PayPal
• PayPal Guest Checkout (region-dependent)
• GlobeWanderJoy does not accept: cash payments, direct bank transfers, or off-platform PayPal transfers.

2.3 Currency Handling

Payments may be processed in:

• AUD
• USD
• LKR
• PayPal may apply currency conversion fees. GlobeWanderJoy does not control or cover these fees.

2.4 Payment Confirmation

A booking is confirmed only when PayPal successfully processes the payment. Travelers receive:

• A PayPal receipt
• A GlobeWanderJoy booking confirmation

3. Refunds (PayPal-Aligned)

Refunds follow the GlobeWanderJoy Cancellation & Refund Policy.

3.1 Refund Delivery - Approved refunds are issued to the traveller's original PayPal payment method within 5–10 business days, subject to PayPal's processing timelines.

3.2 Non-Refundable Fees - Non-refundable fees may include PayPal transaction fees and GlobeWanderJoy administrative fees. These fees are disclosed at the time of booking.

3.3 Currency Conversion - Refund amounts may vary due to PayPal's conversion rates. GlobeWanderJoy does not cover conversion or international transaction fees.

4. Provider Payouts (Sri Lanka-Ready)

4.1 PayPal Requirement - All Sri Lankan tourism providers must maintain an active PayPal account capable of receiving international payments.

4.2 Payout Timing - Payouts are released after the experience is successfully completed and verified through the platform.

4.3 Payout Method - Payouts are sent directly to the provider's PayPal account. Providers are responsible for PayPal receiving fees, currency conversion fees, and withdrawal fees (if transferring to a bank).

4.4 Payout Currency - Payouts may be issued in USD, AUD, or LKR (depending on PayPal's availability and provider settings).

4.5 Failed or Delayed Payouts - If PayPal places a hold or limitation on a provider's account, GlobeWanderJoy cannot override PayPal's compliance processes. Providers must resolve PayPal account issues directly with PayPal.

5. Fraud Prevention & Financial Security

GlobeWanderJoy uses:

• PayPal's fraud monitoring
• Encrypted payment processing
• Secure account verification
• Manual review of suspicious activity
• We will never ask for: PayPal passwords, PayPal security codes, or direct bank details.

6. Prohibited Payment Practices

To protect travelers and providers, the following are strictly prohibited:

• Accepting cash for GlobeWanderJoy bookings
• Off-platform PayPal transfers
• Direct bank transfers outside PayPal
• Sharing personal financial information with other users
• Circumventing GlobeWanderJoy's payment system
• Violations may result in account suspension or removal.

7. Chargebacks & Disputes

7.1 Traveler Disputes - Travelers should contact GlobeWanderJoy first for payment concerns. If a PayPal dispute or chargeback is opened, GlobeWanderJoy will provide documentation to PayPal.

7.2 Provider Disputes - Providers may contact GlobeWanderJoy for payout concerns. We assist with platform-related issues but cannot intervene in PayPal's internal compliance or dispute processes.

8. Transparency & Policy Updates

GlobeWanderJoy may update this Payment & Payout Policy to reflect:

• PayPal system changes
• Legal requirements
• Platform improvements
• Updates apply to future bookings and payouts.

9. Contact

For payment or payout questions: info@globewanderjoy.com