At AllUpiPay, we are committed to providing a fair and transparent refund experience for all users — individuals, freelancers, and businesses alike. This Refund Policy governs all refund scenarios arising from the use of AllUpiPay's platform, including subscription plan payments, failed payment transactions, duplicate charges, and merchant disputes.
This policy is compliant with the Consumer Protection Act, 2019, the Payment and Settlement Systems Act, 2007, and applicable RBI guidelines on customer protection in digital payment transactions. Where our policy is more generous than regulatory minimums, the more generous provision applies.
Plain English summary: If AllUpiPay charges you in error, your subscription fee can be refunded within 14 days, failed transaction money comes back automatically within 1 business day, and disputed payments are investigated within 30 days. We never make it hard to get your money back.
Full Refund Eligible
Duplicate charges, failed transactions, subscription cancellations within 14 days, and billing errors made by AllUpiPay.
Pro-Rata Refund
Subscription plan cancellations after 14 days receive a pro-rata refund for unused days in the billing cycle on annual plans.
No Refund
Successfully completed authorised payments to merchants, one-time add-on fees already consumed, and platform abuse cases.
Automatic Reversal
Failed UPI/IMPS transactions where money was debited but not credited are automatically reversed within T+1 per NPCI rules.
AllUpiPay offers monthly and annual subscription plans (Starter, Growth, Enterprise). The following refund terms apply specifically to subscription fees:
- 14-Day Free Trial: The Growth plan includes a 14-day free trial. No charge is made during the trial period. You may cancel at any time before day 15 with zero cost.
- Monthly Plans — Full Refund Window: If you cancel a monthly subscription within 24 hours of the billing date and have not used any paid features in that billing cycle, you are entitled to a full refund of that month's subscription fee.
- Monthly Plans — After 24 Hours: Cancellations after the 24-hour window on monthly plans are processed at the end of the current billing cycle. No refund is issued for the current month, but you will not be charged going forward.
- Annual Plans — Pro-Rata Refund: If you cancel an annual subscription, AllUpiPay will refund the unused portion of your annual fee on a pro-rata daily basis, minus a processing fee of ₹299. Refunds are calculated from the date of your cancellation request.
- Annual Plans — First 14 Days: If you cancel an annual subscription within 14 days of the initial payment and have used fewer than 500 API calls and no paid features, you are entitled to a full refund with no processing fee deducted.
- Enterprise Plans: Refund terms for Enterprise plans are governed by the individual service agreement. Contact your account manager or legal@AllUpiPay.com for details.
- Plan Downgrade: Downgrading from Growth to Starter does not generate a refund — the remaining credit is applied as a balance toward future charges.
Note on add-ons: Add-on fees (e.g., AI Fraud Shield, Advanced Analytics) that have been activated and used are non-refundable. If an add-on was charged in error or never activated, a full refund is available within 30 days of the charge.
Refunds for payment transactions processed through AllUpiPay — including money sent to merchants, bill payments, and peer-to-peer transfers — follow a different set of rules from subscription refunds. These are governed by RBI guidelines, NPCI operating circulars, and the payment network rules of Visa, Mastercard, and RuPay.
| Transaction Type | Refundable? | Timeframe | Who Initiates |
|---|
| Failed UPI / IMPS (auto-reversal) | Yes – Auto | T+1 business day | NPCI / AllUpiPay |
| Duplicate charge (same txn twice) | Yes – Full | 5–7 business days | AllUpiPay on request |
| Merchant refuses to deliver goods | Via chargeback | 30–90 days | Customer via bank |
| Subscription cancelled but charged again | Yes – Full | 5–7 business days | AllUpiPay on request |
| Correct completed transfer to wrong account | Case-by-case | 30–60 days | AllUpiPay + bank |
| Authorised payment to merchant (correct) | No | N/A | N/A |
| Bill payment (electricity, recharge, etc.) | No (posted) | N/A | N/A |
| International transfer (completed) | Partial – fee may apply | 3–7 business days | AllUpiPay on request |
Duplicate charges: If you are charged twice for the same transaction due to a technical error, AllUpiPay automatically detects most duplicate charges within 24 hours and initiates a reversal. If you spot one before we do, report it via Transactions → [Transaction] → Report Issue and we will refund within 5 business days.
A failed transaction occurs when money is debited from your account but not successfully credited to the intended recipient due to a technical failure in the payment network. This is one of the most common payment issues and is governed by strict NPCI rules.
Immediate
Transaction Fails
Money is debited from your AllUpiPay wallet or bank account but not credited to the recipient. You receive a failed transaction notification via push, SMS, and email.
Within T+1 (NPCI Mandate)
Auto-Reversal Initiated
NPCI mandates that all failed UPI and IMPS transactions are automatically reversed within 1 business day. AllUpiPay monitors every failed transaction and triggers the reversal without you needing to do anything.
Within T+5 (if delayed)
Escalation if Auto-Reversal Doesn't Happen
If your money is not returned within 1 business day, raise a dispute via Transactions → Raise Dispute. AllUpiPay escalates to NPCI on your behalf. Under NPCI UDIR rules, banks must resolve and credit within 5 business days or pay ₹100/day penalty compensation to you.
30-Day Window
Final Escalation Deadline
If the failed transaction is still unresolved after 5 business days, you must raise a formal complaint within 30 days of the original transaction date to remain eligible for NPCI-mandated compensation and resolution.
NEFT / RTGS failed transactions: For NEFT and RTGS failures, reversal happens within 2 hours (NEFT) or the same settlement cycle (RTGS). If not reversed within 24 hours, contact your bank directly and file a complaint through AllUpiPay support simultaneously.
The following transactions and charges are explicitly non-refundable under AllUpiPay's policy. These exclusions are consistent with standard industry practice and applicable regulatory guidelines.
- Successfully completed authorised payments: Any payment that was authorised by you (via PIN, biometrics, or OTP) and successfully credited to the correct recipient cannot be refunded by AllUpiPay. Recovery must be sought directly from the recipient or via a chargeback if applicable.
- Completed bill payments: Utility bills, mobile recharges, DTH payments, and insurance premium payments that have been successfully posted to the service provider's system cannot be reversed. Contact the service provider directly for any billing errors.
- Payment network and interchange fees: Transaction fees charged by card networks (Visa, Mastercard, RuPay), NPCI, or correspondent banks are non-refundable even if the underlying transaction is refunded.
- Add-on fees already consumed: If you have used a paid add-on feature (e.g., made bulk payment batches, generated GST invoices, or received fraud monitoring alerts) during the billing period, that fee is non-refundable.
- Chargeback fees (when ruled against you): If you file a chargeback that is ruled in the merchant's favour, the chargeback fee (₹250–₹1,500) is non-refundable.
- TCS on international transfers: Tax Collected at Source (TCS) deducted on LRS remittances is collected by AllUpiPay on behalf of the Government of India and is non-refundable through AllUpiPay. You can claim TCS credit in your Income Tax Return.
- Currency conversion losses: Exchange rate differences on completed multi-currency or international transactions are non-refundable, even if the rate was unfavourable.
- Accounts suspended for policy violations: Subscription fees paid for periods during which your account was suspended due to a violation of AllUpiPay's Terms of Service are non-refundable.
Fraudulent refund requests: Submitting a refund request based on false information or intentional misrepresentation is a violation of AllUpiPay's Terms of Service and may result in permanent account termination and referral to law enforcement.
Once a refund is approved by AllUpiPay, the time it takes for funds to appear in your account depends on the payment method used for the original transaction and the refund route.
| Refund Route | Expected Timeline | Notes |
|---|
| UPI (auto-reversal) | Within 1 business day (T+1) | Automatic per NPCI mandate |
| UPI (manual refund) | 3–5 business days | After AllUpiPay approval |
| IMPS / NEFT | 1–3 business days | Depends on receiving bank |
| Debit card (Indian bank) | 5–7 business days | Card network processing time |
| Credit card (Indian bank) | 7–14 business days | Appears as credit in next statement |
| Net banking | 3–7 business days | Bank-dependent |
| AllUpiPay Wallet | Instant | Immediate credit to wallet balance |
| International transfer refund | 5–10 business days | Subject to correspondent bank delays |
| Subscription fee refund | 5–10 business days | To original payment method |
Refund to original method: All refunds are processed to the original payment instrument used. AllUpiPay cannot redirect a refund to a different bank account or card. If your original payment method has been closed or cancelled, contact our support team before requesting the refund.
Requesting a refund from AllUpiPay is straightforward. Follow the steps below to ensure your request is processed as quickly as possible.
Step 1
Log into Your AllUpiPay Account
Open the AllUpiPay app or visit AllUpiPay.com. Log in with your credentials. All refund requests must be submitted from the account that made the original payment.
Step 2
Locate the Transaction or Charge
For payment refunds: Go to Transactions → [Find the transaction]. For subscription refunds: Go to Account → Billing → Invoices.
Step 3
Select "Report Issue" or "Request Refund"
Tap the transaction and select Report Issue → Request Refund. Choose the refund reason and add supporting details.
Step 4
Receive Acknowledgement
You will receive an email and in-app notification confirming your refund request has been received. A case reference number will be assigned.
Step 5 — Resolution
Refund Processed or Decision Communicated
Our team reviews your request within 1–2 business days. If approved, the refund is initiated and you'll receive confirmation.
Merchants using AllUpiPay's payment gateway are bound by their own refund obligations to their customers. They must display a clear refund policy and process customer-initiated refunds promptly through the Merchant Dashboard.
If your refund request is declined, you can escalate to our Grievance Officer, the RBI Banking Ombudsman, or appropriate Consumer Forums as per the process outlined in this policy.
AllUpiPay's refund policy is designed to be fully compliant with all applicable Reserve Bank of India (RBI) circulars and NPCI UDIR frameworks.
AllUpiPay reserves the right to update or modify this Refund Policy at any time. Significant changes will be communicated with 30 days' notice.
For all refund-related queries, please reach out via email to refunds@AllUpiPay.com or our 24/7 helpline.