Amount once paid through the payment gateway shall not be refunded other than in the following circumstances:

• Multiple times debiting of user’s Card/Bank Account due to a technical error OR user’s account being debited with excess amount in a single transaction due to technical error. In such cases, excess amount excluding Payment Gateway charges would be refunded to the user.
• Due to technical error, payment being charged on the user’s Card/Bank Account but the payment is unsuccessful. User would be provided with the payment details at no extra cost. However, if in such cases, user wishes to seek refund of the amount, he/she would be refunded net the amount, after deduction of Payment Gateway charges or any other charges.

The Customer will have to make an application for refund along with the transaction number and original payment receipt if any generated at the time of making payments.

The application in the prescribed format should be sent to support@upaybazaar.com with subject line Payment issue.

The application for refund claim will be processed manually and after verification, if the claim is found valid, the amount received in excess will be refunded by UPAYBAZAAR through electronic mode in favor of the user and confirmation sent to the mailing address given in the online registration form, within a period of 27 calendar days upon receipt of such claim. It will take 3- 27 days for the money to show in your bank account depending on your bank’s policy.

UPAYBAZAAR assumes no responsibility and shall incur no liability if it is unable to affect any Payment Instruction(s) on the Payment Date owing to any one or more of the following circumstances:

• If the Payment Instruction(s) issued by you is/are incomplete, inaccurate, and invalid and delayed.
• If the Payment Account has insufficient funds/limits to cover for the amount as mentioned in the Payment Instruction(s).
• If the funds available in the Payment Account are under any encumbrance or charge.
• If your Bank or the NCC refuses or delays honoring the Payment Instruction(s).
• Circumstances beyond the control of the Company (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).
• In case the payment is not affected for any reason, you will be intimated about the failed payment by an e-mail.
• UPAYBAZAAR shall not be responsible for any incorrect details or inputs given from User’s end at the time of transaction at UPAYBAZAAR Website/App. The Estimated time to credit differs on a Bank to Bank basis, which may take 48 to 72 working hours in a normal scenario. In some situations the transaction settlement may take much longer time. UPAYBAZAAR will not be responsible for such scenarios and the User may contact the Bank considering the timeline. In case, the delay in transaction settlement results in to excess charges and late fee towards the credit payment, the User may contact the relevant Bank. UPAYBAZAAR, in any scenario, will not be responsible for any late fee/ charges imposed by the Customer Bank.
• In case the money is debited from User’s Bank account or Instrument and not credited towards the credit repayment within 72 (seventy-two) working hours of completion of the transaction then User may contact the Customer support section. The incident will be lodged and investigated, if it is found that money was indeed charged to User payment instrument without delivery of the payment, subject to the correct information provided by the user, then the money will be refunded to the Source Account within (3) three to twenty-seven (27) working days or as per the present law mandate, from the date of receipt of User query.
• All refunds will be credited to the Source Account. However, UPAYBAZAAR disclaims any and all liability, including for refunds, in the event of any error arising from a failure in the applicable bank, card network, Gateway Partner, BBPS network or any other intermediary service provider’s systems or networks.
• In case a payment has been erroneously made and credited to a User credit card account, loan, Account, BNPL Account or Bank account, UPAYBAZAAR reserves the right to automatically initiate a refund through User’s bank. The User is hereby giving her/his consent to refund the wrongful initiated payment and to offset any wrongful transaction. Such transaction or action will be informed to the User in a timely manner.