A diner says they paid and the money never reached me. What happens?
The first thing to know is the thing most people assume, and it is not true here: the money never came to us. It went from the diner's payment app to your bank, directly. There is no payment of yours sitting in our account waiting to be released, because there is no account of ours it could sit in.
- That means the failure people picture — the platform took the money and did not pass the order on — cannot happen here. There is no step in the flow where we hold it, so there is no step where we can lose it, delay it, or send it somewhere else.
- What the platform holds is a record of what each side said, and when. A diner tapping “I've paid” is that diner's own statement; marking an order received is yours. Neither one is us confirming that money moved — we have no way to check with a bank, and we never claim to have checked.
- When the two of you disagree, the order is recorded as disputed. That is a neutral note that you disagree. It is not a finding about who is right, and we do not investigate, mediate, or take a side.
- If money genuinely left a diner's account and did not arrive, that is a matter for their own payment app or bank under their reversal rules. You decide, as you always have, whether to serve, to ask for payment again, or to write it off. Terms §8 sets all of this out in full.