Refund & Cancellation Policy

Recharge & Utility Payments

Once a mobile/DTH recharge or utility bill payment is successfully completed, the transaction is non-cancellable and non-refundable. Please verify the number, operator, consumer ID and amount carefully before confirming.

In the case of a failed transaction where the amount is debited but the service is not delivered, we will initiate a refund or reversal within 24 hours of confirmation from our payment or service partners.

Domestic Money Transfer

Due to the instant nature of domestic money transfers, once a DMT transaction is processed and the funds are credited or marked as processed towards the beneficiary’s account, it cannot be reversed, cancelled, or refunded.

If you face any issue such as incorrect status, delay or discrepancy, contact our support team at the earliest. Where a transaction remains unprocessed or fails because of an error from our side or our partners’, a refund will be initiated after verification.

AEPS Transactions

AEPS (Aadhaar Enabled Payment System) transactions are final once they are successfully processed. Completed AEPS withdrawals, balance inquiries or other services cannot be reversed or refunded.

In case of issues such as failed biometric authentication, technical errors, or status mismatches, please contact our support team within 24 hours of the transaction. Refunds, if applicable, will be processed based on settlement reports from our banking and AEPS partners.

Insurance Booking

Once an insurance policy is issued or activated through PayOn Money, it cannot be cancelled or refunded via our platform.

If there is an error in the proposal details, policy information, or you need any correction, please contact our support team. We will coordinate with the respective insurance provider to assist you as per the insurer’s rules and regulatory guidelines.

API Services

For API-based services (including subscriptions, usage credits or integrations), no refunds are provided once the service or subscription is activated or access is granted to your account.

In case of technical issues or downtime related to the API, please raise a ticket or contact support. We will work with our technical team to resolve the issue as soon as possible.

Requesting a Refund

If you believe a refund is applicable as per this policy, you must raise a refund request within 24 hours of the transaction.

Please email us at care.payonmoney@gmail.com with:

• Transaction ID and date
• Registered mobile number / email ID
• Service type (Recharge / DMT / AEPS / Insurance / API, etc.)
• Exact issue or reason for the refund request
• Supporting screenshots, bank statement or payment proof (if available)

Refund Processing Time

Once a refund request is reviewed and approved, we generally process the refund within 7 business days from the date of approval.

The refund amount will be credited back to the original payment method used (bank account, card, wallet, etc.). Actual credit timelines may vary depending on your bank, payment gateway or card issuer.

Cancellation of Services

To cancel any ongoing recurring service or subscription linked with your account, you must contact our customer support team.

Depending on the type of service, a notice period or minimum usage term may apply. Service-specific terms will be shared with you at the time of activation or onboarding.

Policy Interpretation

This Refund & Cancellation Policy should be read together with our Privacy Policy and Terms & Conditions .

In case of any conflict between this policy and service-specific terms, the service-specific terms or applicable law will prevail.