Refund Policy#

Last updated: October 11, 2026

This Refund Policy explains when and how refunds are issued for payments made to Satogram, operated by Satogram LLC. It is part of our Terms of Service.

The key principle#

Satograms are paid out as Bitcoin over the Lightning Network. Once sats have been sent to recipients, those payments are final and cannot be reversed or refunded. Refunds are therefore only possible for amounts that have not yet been sent.

Card payments#

When you pay by card, we first place an authorization (a temporary hold) on your card. Your card is only charged once your campaign is approved in moderation.

  • Rejected in moderation. Every card-funded campaign is reviewed before it is sent. If we reject your campaign, we release the hold and your card is never charged: there is nothing to refund and no fees are kept. Depending on your bank, the released hold can take a few business days to drop off your statement.
  • Full review queue. If too many campaigns are already waiting for review when your payment comes in, or too many are waiting from the same card, we release the hold and your card is never charged. You can try again later.
  • Not reviewed in time. If we do not review your campaign before the hold expires (about seven days), the hold lapses and your card is never charged.
  • Expired price quote. Card budgets lock a Bitcoin/USD rate for a limited window (about ten minutes). If your payment is confirmed after that window and the Bitcoin price has risen since your quote, we may release the hold rather than send at a stale rate. You can start a new checkout to try again.
  • Before sending. If you need to cancel a card campaign that has been approved (charged) but not yet sent, contact us as soon as possible and we will refund the portion that has not been sent, less non-refundable payment-processing fees (see below).
  • Unspent budget. If your campaign finishes without spending its whole sending budget (what is left after our service fee), for example because Lightning network fees came in lower than budgeted, you may request a refund of the unspent amount by contacting us. We convert the unspent sats to US dollars at the rate locked in your quote and refund that to your card, less non-refundable payment-processing fees (see below).
  • Card refunds are returned to the original payment method. Processing time depends on your bank or card issuer and is typically several business days.

Lightning payments#

  • Unspent budget. If your campaign finishes without spending its whole sending budget (what is left after our service fee), for example because Lightning network fees came in lower than budgeted, you may request a refund of the unspent amount by contacting us. Example: you fund 65,000 sats, our 10% fee is 6,500 sats and the sending budget is 58,500 sats. If delivery spends 55,000 sats, you may request a refund of the 3,500 sat difference.
  • Before sending. If a paid Lightning campaign has not yet been sent, contact us and we will refund the portion that has not been sent.

Service fee#

Our service fee (currently 10%) covers operating and delivering your campaign. If a campaign is rejected in moderation or never starts sending, the fee is included in the refund. Once sending has started, the service fee is non-refundable, including the fee on any sending budget left unspent.

What is not refundable#

  • Sats already delivered to recipients (irreversible on the Lightning Network).
  • Third-party payment-processing fees on card payments that have been charged (captured). The processor does not return these fees to us, so refunds of a charged card payment are issued for the amount paid less those fees. Holds released before capture (for example, a campaign rejected in moderation) incur no fees at all.

How to request a refund#

Email us at satograms@gmail.com with your payment request or receipt details and a brief description. We aim to respond promptly.

Chargebacks#

If you have a problem with a charge, please contact us first; we can usually resolve it faster than a bank dispute. Filing a chargeback for a campaign that was delivered as described may result in suspension from the Service.