Fair refunds for failed orders

1. Refund eligibility

PayMyQR processes refunds only for failed orders. A failed order is one where:

• Payment was initiated but did not complete successfully.
• A transaction was reversed or declined by your payment provider, bank, or UPI service.
• A subscription or purchase was charged but the service or content was not delivered.
• An error caused duplicate or erroneous charges.

Refunds are processed only after the order's genuinity and failure are established satisfactorily through verification by our team.

2. Order verification and genuinity

To process a refund, we must verify that:

• The order was initiated by the account holder or an authorized person.
• The payment method used belongs to the account holder.
• The order failure or error is confirmed with your payment provider, bank, or our payment processor.
• The refund request is made within the eligible timeframe (see below).

You may be asked to provide transaction receipts, payment method details, or correspondence with your bank to confirm order genuinity. We may also contact your payment provider directly to verify the failed transaction.

3. Refund processing timeline

Once a refund request is approved, PayMyQR will initiate the refund to your original payment method within 7 working days.

The refund amount will be credited to your account as follows:

• UPI refunds: typically appear within 1–3 working days after PayMyQR initiates the refund.
• Bank transfers and card payments: typically appear within 3–7 working days, depending on your bank.
• Third-party wallets or payment apps: follow the refund timeline of that service.

PayMyQR is not responsible for delays caused by your payment provider, bank, or wallet service. If a refund does not appear within the expected timeframe, contact your payment provider first.

4. How to request a refund

To request a refund for a failed order:

1. Collect your order ID, transaction date, amount, and payment method details.
2. Contact PayMyQR support at contact@paymyqr.in with the subject line "Refund Request: [Order ID]".
3. Include a clear description of the failure or error, and any supporting documentation (receipts, screenshots, bank statements).
4. Provide your original payment method and account details for verification.

We will review your request and respond within 2–3 working days. If we approve the refund, we will initiate it within 7 working days as described above.

5. Refunds not eligible

Refunds are not processed for:

• Successfully completed and delivered orders (unless there is a service or delivery failure).
• Cancelled subscriptions or memberships (cancellation stops future charges; past charges are final).
• Orders where payment was received and confirmed by your payment provider, unless the order genuinity cannot be verified.
• Refund requests made more than 90 days after the transaction date.
• Orders flagged as fraudulent or made without proper authorization.

6. Fraud and unauthorized transactions

If you believe a charge was made without your authorization or due to fraud, report it to us immediately at contact@paymyqr.in and contact your payment provider or bank.

Do not dispute the charge directly with your bank or payment provider before notifying PayMyQR, as this may complicate the verification and refund process. We will cooperate with your bank or payment provider to investigate and resolve the dispute.

7. Contact and disputes

If you have questions about a refund, or if you disagree with a refund decision, please contact us at contact@paymyqr.in.

We will respond to your inquiry within 5 working days. If we deny a refund, we will explain the reason in writing.