Refund &Cancellation Policy
This policy explains how refunds, reversals and cancellation requests may be handled for applicable services and transactions offered through OmkaraPay.
Effective Date
July 25, 2026
Policy Covers
Refunds, Reversals & Cancellations
Policy Overview
Transaction Resolution
Successful
Completed transaction conditions
Failed
Applicable reversal handling
Pending
Wait for applicable final status
Duplicate
Review and support process
Transaction Status Matters
Refund or reversal eligibility may depend on the final transaction status and applicable provider process.
Understanding Refunds &Cancellations
This Refund & Cancellation Policy outlines the terms under which refunds, reversals, or cancellations may be processed for services offered by OmkaraPay.
The outcome of a refund, reversal or cancellation request may depend on the service involved, transaction status, applicable bank or provider process, and other applicable requirements.
GeneralPolicy
Once a transaction is processed, it may not be reversible. Refunds are subject to the circumstances and status of the applicable transaction.
Nature of the service.
Transaction status.
Partner and bank policies.
Applicable regulatory guidelines.
Applicable service-provider processes.
Any service-specific terms or conditions that apply to the transaction.
Successful & GenerallyNon-Refundable Transactions
A transaction that has been successfully completed or fulfilled may generally not be cancellable or refundable merely because the user later changes their mind.
Successful bill payments where the biller has accepted or processed the payment.
Successful credit card bill payments after applicable processing.
Completed POS transactions, subject to the applicable merchant, acquiring or payment process.
Completed digital payments where the transaction has reached a successful final status.
Other successfully fulfilled services where reversal is no longer supported by the applicable provider or transaction process.
A successful transaction does not automatically qualify for a refund. Any exception will depend on the applicable transaction, provider process and relevant terms.
Failed orPending Transactions
Failed and pending transactions may require different handling depending on the final status reported by the applicable bank, provider or payment system.
Failed Transaction
Where an eligible transaction fails after an amount has been debited, the applicable amount may be reversed according to the relevant bank or provider process.
Pending Transaction
A pending transaction should not automatically be treated as successful or failed until an applicable final status becomes available.
Automatic Reversal
Eligible amounts may be reversed automatically where supported by the relevant transaction process.
External Processing
Processing timelines may depend on banks, providers and other applicable payment infrastructure.
OmkaraPay is not responsible for delays caused by external banking or payment systems where those systems are outside OmkaraPay's direct control.
Duplicate or IncorrectTransactions
Duplicate or incorrect transactions should be reported as soon as reasonably possible after they are identified.
Requests may require verification before further processing.
Users should provide the applicable transaction reference and supporting information.
User-entered errors may not qualify for a refund.
Refund availability for an incorrect payment may depend on whether the transaction can still be reversed through the applicable provider or payment process.
Always check the beneficiary, bill, account, amount and other applicable transaction details before confirming a payment.
TransactionCancellation
A transaction may only be cancelled where cancellation is supported by the applicable service and the request has not already reached a stage at which cancellation is unavailable.
A submitted or successfully processed transaction may not be cancellable.
Cancellation availability may depend on the service provider or transaction status.
Submitting a cancellation request does not itself guarantee that cancellation will be possible.
Where cancellation is accepted, any resulting refund or reversal remains subject to the applicable processing procedure.
When a Refund May BeConsidered
A refund or reversal may be considered where the applicable transaction and provider process support it.
An eligible failed transaction where an amount was debited.
An eligible duplicate transaction after appropriate verification.
A provider-approved reversal or cancellation.
Another transaction issue where the applicable bank, biller, provider or payment process confirms refund eligibility.
Refund approval is not automatic and depends on the facts and final status of the applicable transaction.
Service Charges &Fees
Convenience fees, taxes, and service charges are generally non-refundable. Only the original transaction amount may be considered for refund, subject to approval.
The treatment of a particular charge may depend on the applicable service terms, transaction circumstances, tax treatment and provider process.
Refund ProcessingTimelines
Refund and reversal processing times are not necessarily the same for every transaction.
Refunds or reversals may be processed according to bank and partner settlement cycles.
Processing may require several working days depending on the applicable provider or banking process.
The time at which a refund is reflected in an account may depend on the receiving bank or payment method.
External banking or provider delays may be outside the direct control of OmkaraPay.
OmkaraPay does not promise a fixed refund time where completion depends on an external bank, provider or payment network.
How to Request aRefund
Where you believe a transaction may qualify for review, contact OmkaraPay and provide sufficient information to identify the transaction and understand the issue.
Transaction Reference
Provide the Transaction ID or Reference Number where available.
Transaction Date
Provide the date on which the applicable transaction was initiated.
Transaction Amount
Provide the applicable transaction amount.
Issue Description
Clearly explain what happened and why you believe the transaction requires review.
Do not send passwords, OTPs, PINs or other confidential authentication credentials when submitting a refund or support request.
Bank, Biller & ProviderDependencies
Certain transactions and refund processes may involve systems operated by third parties.
Banks and applicable payment infrastructure.
Billers and service providers.
Payment processors or payment networks.
Merchant or POS-related service providers where applicable.
Other technology or transaction-processing providers involved in the relevant service.
Final transaction status, reversal availability and refund processing may therefore depend on information or action from an applicable external provider.
Incorrect Customer orPayment Details
Users are responsible for reviewing transaction information before confirming a payment or service request.
Check the applicable customer, beneficiary, account or bill information.
Check the transaction amount before confirming.
Check other applicable service information before submission.
A successfully processed transaction based on incorrect user-entered information may not be reversible.
OmkaraPay cannot guarantee recovery of funds sent using incorrect information supplied by the user.
Before Repeating aTransaction
If a transaction appears delayed or pending, users should review its available status before initiating the same payment again.
Do not assume that a delayed transaction has failed.
Review the applicable transaction history or available status.
Keep the original transaction reference.
Contact support where the status remains unclear.
Repeating a transaction before checking its status may create a duplicate-payment risk.
Transaction Dispute &Support Process
Transaction concerns can be raised with OmkaraPay using the contact information provided below.
Step 1 — Report
Provide the relevant transaction reference, date, amount and a clear description of the issue.
Step 2 — Review
Available transaction information may be reviewed to understand the reported issue.
Step 3 — Provider Check
Where necessary, resolution may depend on information from the applicable bank, biller or service provider.
Step 4 — Outcome
Applicable status, refund, reversal or next-step information can then be communicated based on the available result.
Changes to ThisPolicy
OmkaraPay reserves the right to modify this Refund & Cancellation Policy at any time. Continued use of our services constitutes acceptance of the updated policy.
Where the policy is updated, the current version will be made available on this page together with the applicable effective date.
ContactOmkaraPay
For an applicable refund, reversal, cancellation or transaction enquiry, contact OmkaraPay using the details below.
Refund & Transaction Support
PolicyAcceptance
By accessing or using our services, you acknowledge that you have read, understood, and agreed to this Refund & Cancellation Policy.
This policy should also be read together with the applicable OmkaraPay Terms & Conditions and any additional service-specific terms that may apply.
Important Transaction Reminders
Check Before Paying
Verify applicable account, bill, customer and amount information before confirming a transaction.
Do Not Repeat Pending Payments
Review the available status of an earlier transaction before attempting the same payment again.
Keep the Reference Number
Retain the transaction reference and relevant information in case support is required.
Refund Times Can Vary
Where an external bank or provider is involved, processing time may depend on that external system.
Transaction Support
Need Help With aTransaction?
Contact OmkaraPay with the applicable transaction reference, date, amount and issue details so your enquiry can be understood and reviewed.
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