Refund and Cancellation Policy

Refunds to your customers

As a business on 0pay.in, you decide your own refund policy for your customers. To refund a payment, open it in the app and tap Refund. You can refund the full amount or part of it.

• Refunds go back to the method the customer paid with: card, UPI, wallet or net banking.
• UPI refunds usually reach the customer within 1 to 3 working days. Card and net banking refunds usually take 5 to 7 working days, depending on the customer's bank.
• The refund amount is deducted from your next settlement, or from your balance if you have one.
• The app shows the status and reference of every refund, which you can share with your customer.

If you paid a business that uses 0pay.in

Refunds are decided by the business you paid, so please contact them first. If they have issued a refund and it has not reached you within the times above, write to help@0pay.in with the payment reference and we will help trace it.

Refunds of 0pay.in fees

• Signing up for 0pay.in is free.
• Any one-time setup charge is refunded in full if you cancel before your account goes live, or if we cannot complete your KYC.
• Once your account is live, one-time charges are not refunded.
• Transaction fees on a payment are not returned when you refund that payment, because the payment network has already charged them.
• If we charged you by mistake, or charged you twice, we refund the extra amount within 7 working days of confirming it.

Cancelling your account

You can cancel at any time by writing to help@0pay.in from your registered email or phone number. There is no cancellation fee. We settle any money owed to you after pending refunds and chargebacks are cleared. Subscriptions you set up for your customers stop when you cancel them in the app, and your customers can also cancel their UPI AutoPay mandates from their own UPI app.

Chargebacks

If a customer disputes a payment with their bank, we tell you and ask for proof, such as an invoice or a delivery record. If the bank decides in the customer's favour, the amount is deducted from your settlement.

Contact and Grievance Officer