Refund Policy

1. Overview

At AsianPay, we strive to ensure every transaction is processed accurately and smoothly. However, we understand that there may be situations where a refund is necessary. This Refund Policy outlines the conditions under which refunds are processed for various services offered through our platform.

2. Refund Eligibility by Service

Refund eligibility varies based on the type of service. Please refer to the table below:

Service Type	Refund Eligibility	Timeline
Mobile Recharge	Conditional	Within 24 hours of failed transaction
DTH Recharge	Conditional	Within 24 hours of failed transaction
DMT (Money Transfer)	Eligible	5-7 business days after confirmation
AEPS Transactions	Conditional	As per bank processing time
Bill Payments	Conditional	Depends on biller response
Bus Booking	Eligible	As per operator cancellation policy
Wallet Top-up	Eligible	3-5 business days

3. Conditions for Refund

3.1 Eligible for Refund

• Failed Transactions: Amount debited but service not delivered
• Double Debit: Same transaction charged twice
• Technical Errors: System failures causing incomplete transactions
• Incorrect Amount: Wrong amount debited due to system error
• Service Unavailability: Service provider unable to fulfill the request

3.2 Not Eligible for Refund

• Successful Transactions: Once a service is successfully delivered
• User Errors: Incorrect details entered by user (wrong number, account, etc.)
• Third-Party Issues: Problems with the end service provider after successful processing
• Policy Violations: Transactions made in violation of our terms
• Expired Requests: Refund requests made after the specified timeline

4. Service-Specific Refund Policies

4.1 Mobile & DTH Recharge

• Refunds are only applicable for failed recharges where amount was debited
• Successful recharges cannot be reversed or refunded
• If recharge fails due to operator issues, refund will be processed automatically within 24-48 hours
• Wrong number recharges are not eligible for refund

4.2 Domestic Money Transfer (DMT)

• If money is debited but not credited to beneficiary, refund will be initiated after verification
• Refund timeline: 5-7 business days after confirmation of transaction failure
• Transaction fees may or may not be refundable depending on the failure stage
• For IMPS/NEFT failures, the bank's reversal process applies

4.3 AEPS Transactions

• Failed AEPS transactions are automatically reversed by the acquiring bank
• Reversal timeline depends on the bank's processing (usually 24-72 hours)
• If reversal doesn't happen automatically, raise a dispute within 24 hours

4.4 Bill Payments

• Successful bill payments are non-refundable
• Failed bill payments will be auto-refunded within 3-5 business days
• Duplicate payments require verification with the biller before refund
• Refund timeline may vary based on biller response

4.5 Bus Booking

• Cancellation and refund are subject to the bus operator's policy
• Cancellation charges may apply as per operator terms
• Refund will be processed to wallet or original payment method
• Partial refunds may apply for partial cancellations

4.6 Wallet Top-up

• Failed wallet loads where amount was debited will be auto-refunded
• Refund timeline: 3-5 business days to original payment method
• For successful wallet loads, withdrawal option is available instead of refund

5. How to Request a Refund

Follow these steps to request a refund:

6. Refund Processing Time

Refund Method	Processing Time
AsianPay Wallet	Instant to 24 hours
UPI	1-3 business days
Net Banking	3-5 business days
Debit Card	5-7 business days
Credit Card	5-10 business days
Bank Account (NEFT/IMPS)	3-5 business days

7. Refund Request Timeline

Refund requests must be raised within the following timelines:

• Mobile/DTH Recharge: Within 24 hours of transaction
• Money Transfer: Within 48 hours of transaction
• Bill Payments: Within 72 hours of transaction
• Bus Booking: As per operator cancellation policy
• Wallet Top-up: Within 7 days of transaction

Requests made after these timelines may not be entertained unless exceptional circumstances exist.

8. Automatic Refunds

In certain cases, refunds are processed automatically without requiring a manual request:

• Failed transactions where amount was debited
• System-detected duplicate transactions
• Transactions cancelled before processing completion
• Service provider initiated reversals

Automatic refunds are typically processed within 24-48 hours to your AsianPay wallet.

9. Dispute Resolution

If you are not satisfied with the refund decision:

1. Request a review by emailing with subject "Refund Dispute - [Transaction ID]"
2. Our grievance team will review within 7 business days
3. Final decision will be communicated via email
4. For unresolved disputes, you may approach relevant regulatory authorities

10. Important Notes

• Refunds are processed only to the original payment source or AsianPay wallet
• Transaction fees may not be refundable in certain cases
• Refund requests with fraudulent intent will result in account suspension
• We reserve the right to deny refunds that violate our policies
• Refund policies may be updated periodically; please check for the latest version

11. Contact Us

For refund-related queries or to initiate a refund request, contact us:

• Phone: +91 63666 61189, +91 63666 36345, +91 63666 29345
• Email: asianpayasianpay2@gmail.com
• Address: Asianpay Enterprise, Shop No. 23, 1st Floor, Empire Business Center, Lohar Galli Road, Kirana Bazar, Kalaburagi (Gulbarga), Karnataka - 585104
• Support Hours: 24×7