Refund Policy
Your $500 reservation is fully refundable if you don't buy the car. Here's exactly how that works.
When you place a reservation, $500 is held on your card through Stripe — not charged. No money has moved yet.
If you complete the purchase, the $500 is credited toward your purchase price — the dealer reduces what you owe at closing by $500, so your total out-of-pocket is the same as walking into the dealer directly.
If you don't complete the purchase — for any reason — the $500 comes back to your card in full. No fees, no catches.
What a "hold" actually is
A hold (also called an authorization hold or pre-authorization) is a temporary reservation of funds on your credit or debit card. Your card issuer sets aside the amount so it can't be spent elsewhere, but no money has moved from your account. The hold may appear as a pending transaction on your statement.
Stripe holds last up to seven (7) days. Because dealer confirmation sometimes takes longer than that, we capture the hold (convert it to a completed charge held in our account) once the dealer confirms your appointment — typically within one business day. Capture is an operational step, not a commitment: the money sits with Negoshify until the transaction resolves, and what ultimately happens to it depends on whether you buy the car, not on whether we've captured it yet.
When your hold is released without any charge
If we never capture the hold at all, the funds never even leave your available balance in any meaningful way. This happens when:
- You cancel the reservation before the dealer confirms the appointment. Ask your AI client to cancel ("Claude, cancel my Negoshify reservation"), email support@negoshify.com, or reply to your reservation confirmation. Cancellations received before dealer confirmation are processed automatically or within a few business hours.
- The dealer declines to confirm the reservation — the specific vehicle has already sold, the appointment time doesn't work, or the dealer otherwise can't proceed. We release the hold and notify you.
- Seven days pass without the dealer confirming. The hold expires automatically and your issuer releases the funds.
- We determine the reservation can't be fulfilled for any other reason.
In all of these cases, the reversal is typically reflected in your available balance within three to five (3–5) business days, depending on your card issuer.
When the $500 is captured (charged)
The $500 is captured when the Participating Dealer confirms your appointment — typically within one business day. At that point the hold converts from a pending authorization to a completed charge. The money sits in Negoshify's Stripe account; it does not go to the dealer, and it does not become the dealer's money unless and until a completed purchase occurs.
We capture at confirmation (rather than waiting for the sale to close) for a practical reason: Stripe authorization holds expire at 7 days, but a reservation with an appointment scheduled several days out, plus a sale that may take additional days to finalize, can easily exceed that window. Capturing keeps the reservation live beyond 7 days without forcing you to re-authorize.
What happens after the appointment
If you buy the vehicle
The $500 is credited against your purchase price. The Participating Dealer reduces the amount you owe at closing by $500, so your total out-of-pocket for the vehicle is the same as walking into the dealer directly. You do not pay Negoshify anything additional beyond the $500 that you already authorized, and the $500 is not an extra fee — it's money you would have paid to the dealer anyway, just routed through us.
If you don't buy the vehicle
Your $500 is refunded in full. This applies to every reason you might not buy:
- The vehicle wasn't as described;
- The condition wasn't what you expected;
- You and the dealer couldn't reach terms on price or financing;
- You changed your mind;
- The dealer couldn't complete the transaction for any reason;
- Or anything else.
Negoshify does not retain the $500 as a fee if no sale occurs — not even partially. It comes back to your card.
How to get your refund
Request a refund in any of these ways:
- Ask your AI client: "Claude, cancel my Negoshify reservation."
- Reply to your reservation confirmation email.
- Email support@negoshify.com with your reservation ID.
Once we receive your request, we'll process the refund and it will typically appear on your card within three to five (3–5) business days, depending on your issuer. If you don't hear back from the dealer after your appointment or the sale doesn't close, just reach out — and we'll make it right.
Can I cancel after I've committed to buying?
Once you sign a binding purchase agreement with the dealer, the terms of that purchase agreement govern — not this policy. Purchase agreements, financing contracts, and delivery terms are between you and the dealer. If you want to back out of a signed purchase agreement, that is a matter to take up with the dealer directly, and any return or unwind is subject to that dealer's own policies and applicable California motor vehicle law.
What if there's a dispute?
Negoshify is not a party to the purchase contract between you and the dealer. If a dispute arises about the vehicle, the price, a trade-in, financing, or the transaction, we ask that you raise it with the dealer first. Negoshify may, but is not obligated to, assist in resolving such disputes. You may also reach out to support@negoshify.com and we'll do what we reasonably can to help.
If you believe a hold was placed in error or was not released when it should have been, email support@negoshify.com with your reservation ID. You also retain all rights to dispute a charge through your card issuer under the applicable network rules.
Related documents
This Refund Policy is part of, and is governed by, our Terms of Service. See also our Privacy Policy. In the event of any conflict between this Refund Policy and the Terms of Service, the Terms of Service control.
Questions
For anything about a specific reservation, refund, or hold, contact support@negoshify.com with your reservation ID.