Refund Policy

This Refund Policy explains how refunds and reversals are processed for payments made through Payvendo (“we”, “us”, or “our”).

1. Scope

This policy applies to all digital payments, wallet top-ups, subscriptions, and service fees processed through Payvendo. Refunds are subject to transaction type, payment channel, and applicable regulatory or partner policies.

2. Eligibility for Refunds

• Duplicate transactions: If your account is charged more than once for the same transaction, the extra amount will be refunded after verification.
• Failed transactions: If a transaction fails but the amount is debited from your account, it will be automatically refunded within 5–7 business days.
• Cancelled services: If a paid service is cancelled before activation, you may be eligible for a refund as per the service-specific terms.
• Unauthorized or fraudulent transactions: Refunds will be processed only after internal verification and compliance checks.

3. Non-Refundable Transactions

• Successful digital services or subscriptions that have already been used or delivered.
• Processing fees, convenience charges, or service fees associated with payment gateways.
• Wallet top-ups once credited, unless required by law.

4. Refund Process & Timelines

Once a refund request is approved, the amount will be credited to your original payment method within 5–10 business days. The timeline may vary based on your bank, card network, or payment provider.

In rare cases, delays may occur due to inter-bank or technical issues. Payvendo will keep you informed via email during the process.

5. How to Request a Refund

To raise a refund request, please email our support team at help@payvendo.in with the following details:

• Registered account email or mobile number
• Transaction ID or payment reference number
• Amount and date of transaction
• Reason for refund request

Our billing team will review your request within 2–4 business days and respond with the status or next steps.

6. Chargebacks & Disputes

If you dispute a transaction through your bank or card issuer, we will cooperate with the issuer to resolve the issue. Filing a chargeback without contacting us first may delay resolution. We encourage customers to reach out to help@payvendo.in before initiating chargebacks.

7. Regulatory Compliance

Payvendo complies with all applicable laws and RBI regulations governing payment systems in India. Refunds are processed in accordance with guidelines issued by our banking partners and payment gateways.

8. Updates to This Policy

We may update this Refund Policy from time to time. Any changes will be posted on this page with the revised effective date. Significant changes may also be communicated via email or in-app notifications.