Cards via Stripe
Pay with a supported Visa or Mastercard through Stripe.
Flexible payment · Clear policy · Transparent handling
Payments, Cancellations & Refunds
Start with a payment method suited to your location and currency, then see the cancellation rules, refund eligibility and refund-arrival timeframes in plain language.
Pay in the way that suits you
Secure and Flexible Ways to Pay
We offer a carefully selected range of payment options designed to serve clients across different countries, with security, reliability and ease of use as key priorities. Payments are handled through established payment providers and financial institutions with strong standards for payment processing and protection, while available methods may vary depending on your country, currency and service availability.
Depending on your location and booking type, available options may include card payments via Stripe, Ziina, Tabby where available, bank transfer, and any other approved payment methods presented during checkout.
Options you may see at checkout
Choose the right route for your booking
Ziina
Available to eligible customers in supported countries.
Tabby
Instalment options for eligible customers where Tabby is available.
Banking option · not a card gateway
Bank Transfer
For supported domestic and international transfers.
Transfer accounts:
Wio Bank
RAKBANK
Wio BankRAKBANKCan’t find a suitable payment option?
Contact UsContact us and our team will help you identify the options available for your country.
Before using the estimator
Service Price and Transaction Costs Are Different
We keep the two separate so you can see what the policy calculates and what independent parties may determine later. We never guess a fee or present it as an automatic deduction.
Service price
The amount actually paid for the booking after any discount.
Policy-based refund
The eligible percentage based on cancellation timing or work stage.
External charges
Actual charges a provider or bank may impose and Nada Harfoush does not receive.
The actual-record rule
Any non-refundable external cost is determined only from the actual transaction record, where applicable and legally permitted. Customers are not asked to enter merchant or internal processing costs, and the estimator deducts nothing automatically.
Stripe
Original processing or conversion costs may be non-refundable depending on the transaction. The actual record is reviewed instead of applying a generic customer deduction.
Stripe refund documentationopens in a new tabZiina
Actual non-refundable provider charges, if applicable, are confirmed from the original transaction. The estimator does not display a fixed Ziina deduction.
Ziina refund guidanceopens in a new tabTabby
Refunds follow Tabby’s applicable workflow and terms; instalments or the return route may change with payment status. The estimator does not calculate or deduct a Tabby or provider charge automatically.
Tabby customer refund guidanceopens in a new tabWhat may be unknown in advance?
Card-issuer, customer-bank, sending-bank, receiving-bank, SWIFT, intermediary-bank, correspondent-bank, currency-conversion, foreign-exchange, cross-border handling and other third-party banking costs may affect the final amount. Nada Harfoush does not receive or control them, and they may not be visible or predictable in advance.
See the policy calculation clearly
Refund Estimator
The estimator uses current site prices for illustration. An actual request is calculated from the amount paid after any discount, in the transaction currency, and after accounting for any prior refund.
What does the payment selection do?
Original processing or conversion costs may be non-refundable depending on the transaction. Selecting Stripe here does not calculate an automatic deduction.
This selection displays contextual guidance only; it does not automatically calculate or deduct a payment-provider charge.Estimated result
Focused Program — With an Online Meeting
- Service price
- 490 $
- Applicable policy
- Pre-appointment cancellation rule
- Refund percentage
- 50%
- Policy-based refund
- 245 $
- Non-refundable external charges
- Determined from the actual transaction record, where applicable; not calculated here
- Estimated eligible refund before any unknown external charges
- 245 $
50% of the service price is the refundable amount under the cancellation policy.
This is an illustrative policy result for the service price, not a guarantee of the net amount credited. The transaction record and applicable legal rights take precedence.
Examples from current prices
What Does 50% Mean in Numbers?
These are calculation examples for scenarios where the policy provides 50%; they do not mean every cancellation qualifies for that amount. No provider or bank fee is invented.
Focused Program — Without a Meeting
- Current price
- 290 $
- Example 50% maximum
- 145 $
Applies before work; the maximum remains 50% after work begins and before delivery.
Focused Program — With an Online Meeting
- Current price
- 490 $
- Example 50% maximum
- 245 $
Applies 24 hours or more before the appointment, or after the meeting when work began and delivery remains pending.
Healthy Lifestyle — Without a Meeting
- Current price
- 490 $
- Example 50% maximum
- 245 $
Applies before work; the maximum remains 50% after work begins and before delivery.
Healthy Lifestyle — With an Online Meeting
- Current price
- 690 $
- Example 50% maximum
- 345 $
Applies 24 hours or more before the appointment, or after the meeting when work began and delivery remains pending.
Priority Consultation — With an Online Meeting
- Current price
- 890 $
- Example 50% maximum
- 445 $
Applies 24 hours or more before the appointment, or after the meeting when work began and delivery remains pending.
In-Person Meeting at Our Dubai Office
- Current price
- 1,000 $
- Example 50% maximum
- 500 $
Applies before the appointment and after the meeting when work began but the file remains pending.
Follow-Up — Without a Meeting
- Current price
- 290 $
- Example 50% maximum
- 145 $
Applies before work; the maximum remains 50% after work begins and before delivery.
Follow-Up — With an Online Meeting
- Current price
- 450 $
- Example 50% maximum
- 225 $
Applies 24 hours or more before the appointment, or after the meeting when work began and delivery remains pending.
Scheduled appointments
Cancellations & Rescheduling
Notice is measured from receipt through an official contact channel to the confirmed appointment time in the booking’s stated time zone. “Same day” is descriptive; the 24- or 48-hour threshold remains the calculation rule.
Online appointments
- 24 hours or more before: 50% of the service price is refundable.
- Under 24 hours or same day: Normally non-refundable.
- No-show: Normally non-refundable.
Normal rescheduling
Rescheduling may be requested at least 72 hours before the confirmed appointment, subject to availability. This window governs appointment changes and does not alter the 24-hour online or 48-hour Dubai cancellation thresholds.
Exceptional circumstances
In a genuine emergency, Nada Harfoush may, at its discretion, offer one complimentary rescheduling opportunity instead of forfeiting the appointment, subject to availability and timely communication. This is a goodwill accommodation, not an automatic contractual right.
Repeated rescheduling
It does not automatically qualify for another exceptional accommodation. Missing the replacement appointment or repeatedly changing it may trigger the applicable cancellation or no-show rule.
Once work on your case begins
How Service Progress Affects a Refund
We distinguish between a service not yet started, a personalized file in progress, and a completed service after final delivery. The test is substantive professional work, not merely the arrival of a message or document.
A
No-meeting track
Consultations Delivered Through a File
50%
Before the required information is received and before substantive work begins, the normal rule for this service applies: 50% of the service price is refundable under the policy.
Maximum 50%
If the required information has been received and substantive professional work has begun, but the final file has not been delivered, the maximum service-price refund is 50%.
0%
The service is complete and non-refundable, unless a refund is required by law or the company did not provide the service as agreed.
B
After an online or in-person meeting
Meeting Completed, Personalized File in Progress
Maximum 50%
If the meeting has taken place, the case has been discussed, the required information collected and substantive work on the personalized file begun, the maximum service-price refund before final delivery is 50%.
0%
The service is complete and non-refundable, unless a refund is required by law or the company did not provide the service as agreed.
When does substantive work begin?
Receipt of information alone is not sufficient proof that work has begun. It must be accompanied by the commencement of substantive professional work on the case.
- Reviewing health information or history
- Reviewing medical reports or laboratory results
- Preparing case-specific follow-up questions
- Beginning individualized research or assessment
- Starting the tailored consultation or program file
Special terms before and after the meeting
Dubai Office Appointments
Pre-appointment rules reflect committed travel, accommodation, office arrangements and reserved in-person time. After the meeting takes place, final-file progress becomes the governing stage.
hours before
The maximum service-price refund is 50%.
hours before
The cancellation charge is 50%; 50% remains refundable.
Same-day cancellation
The maximum service-price refund is 50%.
No-show
It is not fully non-refundable; the maximum is 50%.
After the Dubai meetingFinal file not delivered50% Final file delivered0%
If information was collected and substantive file work began, the maximum service-price refund is 50%.
The service is complete and non-refundable, unless a refund is required by law or the company did not provide the service as agreed.
The no-show rule applies only before a meeting takes place and cannot override a completed-service or delivered-file state. If the company cannot provide the service, the full-refund rule below applies.
Two stages, two different timeframes
When Will I Receive My Refund?
Our issuance time is not the same as the time funds appear in your account. This distinction sets a realistic expectation from approval through bank posting.
Refund initiated by Nada Harfoush
48 hours
We initiate an approved refund within 48 hours after refund eligibility has been reviewed, the eligible amount has been determined and the refund has been approved.
Provider or bank posting
5–14 business days, approximately
After we initiate the refund, it typically appears within approximately 5–14 business days. Some transactions may take longer depending on the provider, bank and original payment method.
When does the 48-hour window begin?
It begins after eligibility review, amount determination and refund approval; it does not necessarily begin with the customer’s first cancellation message.
Where is the refund sent?
Where legally and technically possible, the refund normally returns through the original route: card, Ziina, Tabby workflow or a verified bank account.
We cannot guarantee the date on which the funds will appear in your account after the refund has been issued, as subsequent banking and settlement processes operate outside Nada Harfoush’s systems.
Domestic and international transfers
Bank Transfers & International Charges
A payment or refund may pass through several financial institutions. That can create a difference between the amount we issue and the net amount the receiving bank posts.
Charges outside our systems
What may apply?
Charges may come from the card issuer, customer bank, sending or receiving bank, SWIFT, intermediary or correspondent banks, currency conversion, FX differences, cross-border handling or other third-party banking services.
These charges may not be visible or predictable in advance. Nada Harfoush does not receive or control them; they may be borne by the customer under third-party rules and may affect the final amount credited.
OUR
The sender bears sending-bank and other-bank charges.
SHA
The sender bears its bank’s charges; the beneficiary bears other-bank charges. This is not necessarily a 50/50 split.
BEN
The beneficiary bears sending-bank and other-bank charges from the transferred amount.
Currency and foreign exchange
The home-currency amount may differ because of exchange-rate movement, issuer or bank conversion, or cross-border settlement, so it may not match the original statement entry.
Service VAT and provider charges
Service VAT remains separate from tax or charges a provider applies to its own costs. Amounts are reviewed from the invoice and actual provider record.
Two different routes
Refunds, Disputes & Chargebacks
Refund request
A resolution processed by Nada Harfoush under this policy after eligibility and amount review.
Dispute or chargeback
A separate process initiated through the card issuer or provider that may involve evidence, fees and different timelines.
Customers are welcome to contact us first so an eligible request can be resolved promptly where possible, without limiting any legal right to dispute a transaction.
When the customer did not cause the cancellation
Company Cancellations, Errors & Disruptions
Company unable to provide the service
If Nada Harfoush cancels or cannot provide the purchased service for a company-side reason, the customer is offered either a full refund of the amount paid for the affected service or an alternative appointment or service the customer accepts, in accordance with applicable UAE consumer-protection requirements.
The customer does not bear ordinary payment-processing losses caused solely by a company-initiated cancellation. Independent posting times or downstream bank effects after issuance may remain outside company control.
Federal Law No. 15 of 2020 on Consumer Protectionopens in a new tab
Duplicate payment or clear error
A duplicate or incorrect amount is investigated and refunded once verified; it is not treated as an ordinary voluntary cancellation.
Events outside reasonable control
Rescheduling is offered first where possible for severe weather, government restrictions, major transport disruption or widespread technical outage. If no reasonable solution is possible, the outcome follows applicable law.
Discounted booking or partial refund
Percentages apply to the amount actually paid, not a higher list price, and total refunds cannot exceed the original transaction.
This policy operates subject to UAE consumer-protection law and any other mandatory rights. Nothing limits statutory remedies for a defective, incomplete or improperly provided service.
First-party sources only
Official References
Official authorities and provider pages are the current source for their pricing, timing and procedures, which may change over time.
- Federal Law No. 15 of 2020 on Consumer Protectionopens in a new tab
- Cabinet Decision No. 66 of 2023: Executive Regulationopens in a new tab
- Ministry of Economy and Tourism — Consumer Complaintsopens in a new tab
- Ziina — Is there a fee to issue a refund?opens in a new tab
- Ziina — Current fee scheduleopens in a new tab
- Ziina — Estimated customer refund timingopens in a new tab
- Stripe UAE — Pricingopens in a new tab
- Stripe — Refund documentationopens in a new tab
- Tabby Business — Refund from the Merchant Dashboardopens in a new tab
- Tabby — How and when will I receive my refund?opens in a new tab
- RAKBANK — Electronic transfers and OUR, SHA, BEN chargesopens in a new tab
- Wio Business — Schedule of Fees, May 2026opens in a new tab
Before submitting a request
Contact UsNeed clarification about your transaction?
Send only the booking reference and payment method through an official contact channel. Never send full card details, passwords or verification codes.