1. The two kinds of money
Every quote separates two things: our service fee, and third-party fees. They behave differently and it matters that you understand which is which.
- Our service fee covers our work — assessment, documentation, form filling, submission and follow-up
- Third-party fees are embassy, visa centre, government, airline, hotel and insurance charges that we pay on your behalf
2. Third-party fees are not refundable by us
Once an embassy or visa centre fee is paid it belongs to them, not to us, and it is not returned on refusal. The same applies to non-refundable airline and hotel rates.
Where a third party does allow a refund — some insurers refund on visa refusal, some hotel rates are cancellable — we will pursue it on your behalf and pass on whatever we recover.
3. Our service fee
How much of our fee is refundable depends on when you cancel.
- Before we begin work: fully refundable
- After assessment but before the file is prepared: refundable less the time already spent, which we itemise for you
- After the file is prepared but before submission: partially refundable, calculated on the work completed
- After submission: not refundable, because the work has been performed
4. Refusals
A visa refusal does not entitle you to a refund of our service fee. We are engaged to prepare and submit your application properly, not to guarantee a decision that is not ours to make.
We will always review the refusal with you and explain what happened. Where we believe we made an error, we will say so and put it right at our own cost.
5. Where we are at fault
If an application fails because of a mistake on our part — a missed deadline we controlled, a document we lost, an error we introduced — we refund our service fee in full and cover the cost of resubmission where that is possible.
6. Where information was withheld
If an application fails because you did not disclose a previous refusal, overstay, ban or other material fact, no refund applies. We ask about these at the start precisely so they can be addressed properly.
7. Travel bookings are different
Flights, hotels, transport and insurance follow the supplier's own cancellation rules, not this page. Those rules are stated on your booking confirmation, and we will tell you before you book where a rate is non-refundable.
Where a supplier does refund, we pass on whatever we recover in full. Our own booking fee, where one was charged, covers work already done and is not returned.
8. If we end the engagement
Where we end it because you asked us to act dishonestly, or because information you gave us turns out to be materially false, no refund applies.
Where we end it for any other reason — including simply being unable to continue — we refund everything except the work already completed, calculated the same way as clause 3.
9. How to request a refund
Write to info@apkavisa.pk with your name, the service, and what you are requesting. We will respond within seven working days with a written calculation.
Approved refunds are paid to the account the payment came from, normally within fourteen working days.
10. Disputes
If you disagree with our calculation, tell us and we will review it with you directly. We would much rather resolve it in a conversation than have you go elsewhere unhappy.
11. Paid directory listings
Agencies can pay for a Verified, Featured or Sponsored tier on their listing in our directory. They pay us directly, and a refund is paid back to the account the payment came from, unless we agree another in writing. This clause, not clauses 1 to 10, applies to them.
- Verified is a single payment. It is refunded in full if you ask within 14 days of paying, or at any time if we cannot complete our check of your agency
- Featured and Sponsored are paid month by month. Stop at any time and nothing more is due; your tier stays until the end of the month already paid for, and a month that has started is not refunded
- If we take down a paid listing because it is false or misleading, no refund applies. If we take it down for any other reason, we refund the unused part of the month
- Where the law gives you a right to a refund, nothing here takes it away
12. Cancelling or asking for a refund on a listing
Message us on WhatsApp at +92 370 6357322, or write to info@apkavisa.pk, with your agency's name. We confirm a cancellation or a refund in writing, and send an approved refund back to the account that paid.
Questions about any of this?
