Return, Refund & Cancellation Policy

Effective Date: — 1 Aug 2026

This Return, Refund & Cancellation Policy (“Policy”) governs the use of products and services offered through the bepay money platform (“bepay money”, “Company”, “we”, “our”, or “us”).

As bepay money provides digital payment, financial services, and e-commerce services through regulated banking & financial partners and third-party service providers, refund and cancellation eligibility varies depending on the nature of the product or service.

1. General Policy

Transactions processed through the bepay money platform are generally considered final once successfully authorized and completed. Refunds, cancellations, or reversals shall only be processed where permitted under applicable laws, regulatory guidelines, or the terms of our partner institutions. Approved refunds, where applicable, will be credited to the original payment instrument or source account.

2. Products & Services

UPI Payments

Successful UPI transactions cannot be cancelled once processed. Refunds may only be applicable for failed, duplicate, or technically unsuccessful transactions in accordance with NPCI and participating bank guidelines.

Bharat Connect (BBPS) Bill Payments

Bill payments are final upon successful processing. Refunds or reversals, where applicable, shall be subject to the respective biller's and banking partner's policies.

Mobile Recharge & Utility Services

Recharge and utility payments are non-cancellable once successfully processed. Refunds may be initiated only for failed or duplicate transactions.

Cards (RuPay Card)

The applicable card issuer, network, and partner institution shall govern card-related charges, merchant refunds, reversals, and disputes. Merchant refunds will be credited to the respective card account as per network timelines.

Fixed Deposits

Fixed Deposit products are offered through regulated banking partners. Premature closure, cancellation, and applicable penalties shall be governed by the respective financial institution's terms and conditions.

Digital Gold

Digital Gold purchases are executed at live market prices through authorized partners. Successfully executed purchases cannot be cancelled or refunded. Failed transactions where funds are debited but gold is not allocated shall be refunded as per the partner's settlement process.

Insurance

Insurance products are offered through licensed insurance providers. Cancellation, premium refunds, free-look periods, and claims shall be governed by the insurer's policy terms and applicable regulations.

Cashback, Rewards & Promotional Offers

Cashback, reward points, referral bonuses, and promotional benefits are non-transferable, non-refundable, and may be modified or withdrawn in accordance with the applicable campaign terms.

3. Third-Party Services

Certain products and services available on bepay money are provided by regulated third-party partners. Refunds, cancellations, exchanges, or reversals relating to such services shall be governed by the respective partner's policies and applicable regulatory requirements.

4. Refund Requests

Eligible refund requests may be submitted through the bepay money mobile application or by contacting support@bepay.money. Users may be required to provide transaction details and supporting information for verification.

5. Changes to this Policy

We reserve the right to amend this Policy at any time. The updated version shall become effective upon publication on our website or mobile application.