Payment Policy
How billing works for PayTime — and our no-refund policy.
This Payment Policy applies to all purchases of PayTime credits and services from Unified Business Systems (Private) Limited (company registration no. 0343577). PayTime is a business-to-business (B2B) service.
1.Credit-based pricing
PayTime is billed using credits. One credit covers one employee's payroll for one month. You buy credits in advance from your account dashboard and use them as you run payroll. Pricing is tiered — the more you buy, the lower the price per credit.
2.Currency & taxes
Prices are shown in Pakistani Rupees (PKR). Unless stated otherwise, prices exclude any applicable taxes, duties or bank charges, which are your responsibility.
3.Payment
Payment is required in advance to add credits to your account. Credits are made available once payment is confirmed.
4.No refunds — all sales final
Because PayTime is a B2B software service and credits are delivered to your account immediately, all purchases are final. We do not provide refunds, exchanges, or partial refunds for unused credits under any circumstances — including change of mind, non-use, or account closure.
5.Credits never expire
So you always get value from every purchase, credits do not expire. You can carry unused credits across months and years and use them whenever you run payroll.
6.Failed or reversed payments
If a payment fails or is reversed, the related credits may be withheld or removed and access to the service may be suspended until the matter is resolved.
7.Invoices
An invoice is issued for each purchase and is available from your dashboard for your records.
8.Changes to pricing
We may change our pricing at any time. Any change applies to future purchases only and does not affect credits you have already bought.
9.Billing enquiries
- Unified Business Systems (Private) Limited — Company Reg. No. 0343577
- Email: contact@paytime.pk
- Phone: +92 33 9643 5550
