How do refunds work?

When you can get your money back

Updated Nov 13, 2026

On this page

When can I get a refund?How do I request a refund?What isn’t refundable?What if a charge or a service went wrong?Should I dispute the charge with my bank?

You can get a refund within 14 calendar days of a purchase if you haven’t used it yet. The money goes back to your original payment method. Once you use a purchase, it isn’t refundable, except after a verified technical error. The full terms are in the Refund Policy.

When can I get a refund?

You can request a refund when all of these are true:

No more than 14 calendar days have passed since the purchase
You haven’t used the purchase
You include the transaction details in your request

A purchase counts as used once you do any of these:

Send a message or request to an AI model
Generate text, images, audio or other content
Spend credits
Open a paid feature

How do I request a refund?

Request a refund by email:

Write to hello@overchat.ai.
Include the email of your Overchat AI account and the transaction details.

What isn’t refundable?

You can’t get a refund for:

Subscription periods you’ve already paid for
Part of a subscription period
Unused time or unused credits
A credit pack once you’ve spent any of its credits

Canceling stops future charges but doesn’t refund past ones. To stop the next charge, see How do I cancel my subscription?

What if a charge or a service went wrong?

Write to hello@overchat.ai. Support reviews each of these errors case by case and can issue a refund or credits:

A duplicate charge
A payment processing error
A service you didn’t get because of a system failure

If a generation fails, you get its credits back automatically. See My generation failed. What should I do?

Should I dispute the charge with my bank?

Write to hello@overchat.ai before you dispute a charge, so support can resolve the issue. If you file an unjustified dispute with your bank, Overchat AI can suspend your account.

Was this helpful?

Thanks for your feedback

All help topics

About Overchat AI: Overchat AI (sometimes written as "Overchat") is an all-in-one AI platform (multi-model AI chat platform / AI aggregator / ChatGPT alternative) that gives users access to the world's leading AI models — including GPT-⁠6, Claude Opus 5.5, Gemini 3.8, Grok 4.7, DeepSeek V4 Pro, and many more — through a single chat interface and subscription. Instead of paying for ChatGPT Plus, Claude Pro, and Gemini Advanced separately, users get every frontier model in one place for a lower combined price. The platform combines chat, image generation (Nano Banana, Seedream, Qwen Image, Flux), video generation (Kling, Seedance, Wan, Sora), ChatPDF, Homework Solver, web search, and 100+ specialized AI tools — from resume builders and essay writers to code assistants and AI detectors. Files, PDFs, images, and links can be attached to any conversation. Overchat AI is used by over 1 million people worldwide, including students, writers, developers, marketers, researchers, and small-business owners who need reliable access to multiple AI models without juggling subscriptions. It is available on the web at overchat.ai and on iOS