At Zepayra, we prioritize providing secure, reliable, and effective payment processing solutions. This Refund Policy details the conditions under which refunds may be issued, the process for submitting refund requests, and the responsibilities of both merchants and end-users. Please review this policy carefully to understand your rights and obligations concerning refunds processed through our platform.
This policy applies to all users of Zepayra, including individual customers, registered merchants, and business partners utilizing our payment solution services. It encompasses transactions processed through our platform, such as credit/debit card payments, net banking, UPI, wallet transactions, and other supported payment methods. Refund policies specific to individual merchants offering goods or services via our gateway are not covered here.
Refunds may be granted under the following circumstances:
For merchant-related cases, refunds will only be processed once the merchant confirms eligibility and instructs us to initiate the refund.
The following transactions are not eligible for refunds:
Fees charged by Zepayra, including gateway fees, convenience charges, integration/setup costs, and fees for value-added services, are non-refundable unless a transaction fails due to an error on our platform. In merchant disputes, refund amounts may be adjusted to account for processing fees already incurred.
To request a refund, users should:
Our support team may request additional information or verification to complete the refund process.
Approved refunds will be initiated within 5 to 7 business days. The time taken for the refund to reflect in your account varies depending on your bank, payment provider, or card issuer and is outside our control. You will receive notification by email or SMS once the refund has been initiated. Please be aware that delays may occur due to bank processing times or merchant refund policies.
In cases where a customer disputes a transaction with their bank or card issuer, a chargeback procedure may commence. Zepayra will work with the merchant to resolve the dispute and may require supporting documents. If the chargeback is upheld, the customer will receive a refund, and the merchant may be subject to related fees or deductions.
Applicable taxes, including GST where relevant, paid as part of the original transaction will be refunded only if allowed by tax regulations. Any administrative fees, processing charges, or third-party costs may be deducted from the refund amount, with such deductions clearly indicated in the refund confirmation.
For refunds involving merchant transactions, the final decision to approve or reject lies with the merchant. Zepayra functions as a payment facilitator and processes refunds only upon merchant request, except in cases of platform errors or verified fraud. Merchants must maintain clear refund policies and cooperate during refund investigations. Failure to comply may result in withheld payments or suspension of merchant services.
We reserve the right to amend this Refund Policy as needed to reflect changes in laws, improvements in services, or industry standards. Updates will be posted on this page with a revised “Last Updated” date. Continued use of our platform after changes indicates your acceptance of the updated policy.
For any questions, clarifications, or assistance related to refunds, please contact us at support@zepayra.com.
