This Refund Policy explains how Ishaanpay Private Limited, operating under the brand name IshaanPay, handles cancellations, failed transactions, pending transactions, reversals, disputes, and refund-related requests for services made available through the Platform.
This Refund Policy should be read together with the applicable Terms & Conditions, service-specific instructions, and any category-specific rules displayed at the time of transaction.
This Refund Policy applies to both customers and merchants using the IshaanPay website, mobile application, and related digital channels. It applies, where relevant, to transactions relating to bill payments, recharge services, credit card bill payments, utility-related payments, travel-related services, healthcare-related flows, merchant-assisted transactions, and partner-led services made available through the Platform.
IshaanPay acts as a platform / facilitator for transaction initiation, routing, processing support, settlement support, and service enablement. Depending on the service category, the underlying transaction, bill posting, booking, confirmation, fulfillment, or refund may involve merchants, banks, billers, processors, travel partners, healthcare providers, or other third-party service providers.
Once a transaction has been successfully submitted for processing, cancellation may not be possible unless the relevant service category, transaction status, or partner rule expressly allows cancellation.
Certain services may be processed instantly or near-instantly. In such cases, cancellation may not be available after confirmation.
For partner-led or booking-based services, cancellation may be subject to the terms, workflow, and approval rules of the relevant service provider or partner.
Where a transaction has been successfully completed and a valid confirmation has been generated, the transaction is generally treated as final.
Completed payments for recharges, bill payments, and similar utility-style services are generally non-returnable and non-exchangeable, unless:
A transaction may be treated as failed, pending, reversed, or disputed depending on the transaction status received from the relevant provider, bank, biller, processor, or service partner.
Where a transaction fails after an amount has been debited, or remains pending without final confirmation, the transaction may be reviewed for refund, reversal, or status correction based on the final outcome available from the relevant system.
Refunds are not processed merely because a transaction is under review. Final treatment depends on transaction status verification and the applicable service flow.
If a payment has been successfully debited but the recharge, bill credit, booking result, or other service outcome is not delivered within the expected timeframe, the customer or merchant should contact IshaanPay support.
If verification confirms that payment was successfully deducted but the relevant service was not delivered, IshaanPay will initiate or coordinate the applicable refund or reversal process.
It is the responsibility of the customer or merchant to ensure that all transaction details are correct before confirming the transaction including mobile number, DTH number, utility account number, card or bill identifier, operator or provider selection, booking details, travel details, service category, consumer number, and any other identifier required for the relevant service.
IshaanPay shall not be responsible for failed processing, misapplied payments, delivery issues, or non-reversible errors resulting from incorrect, incomplete, or inaccurate details entered by the customer or merchant.
Where a refund is approved, IshaanPay will process or coordinate the refund within 5-7 working days, subject to the transaction type, payment method, provider confirmation, and partner dependency.
Actual credit timelines may vary depending on the bank or payment processor involved, the payment method used, the service category, partner-side verification or approval, and the final transaction status.
Where a refund is approved, it may be processed through reversal to the original payment source, credit to the same payment instrument used for the transaction, refund to the relevant bank account where applicable, or another supported method depending on the provider or service category.
Travel-related services may be subject to separate cancellation, refund, rescheduling, or booking rules of the relevant authorized third-party partner.
Healthcare-related services may be subject to provider-side confirmation, appointment rules, consultation conditions, or partner-specific refund handling.
Bill payment and utility-related transactions may involve delayed posting, complaint workflows, or provider-side confirmation delays. Refund or reversal, where applicable, depends on the final transaction status and provider response.
Unless expressly stated otherwise, the following may be treated as non-refundable once validly applied:
IshaanPay does not provide a return option for successfully completed digital service transactions. Once a valid transaction has been completed and the service has been delivered or confirmed, no return may be claimed unless a refund is otherwise permitted under this Refund Policy or applicable law.
IshaanPay provides refund-related support directly and acts as the first point of contact for refund review, status checks, complaints, and escalation support.
Support Chat: Available through the Platform
Email: support@ishaanpay.com
Support Hours: 24/7
IshaanPay may update this Refund Policy from time to time. The updated version will be published on the Platform with the revised effective date or last updated date. Continued use of the Platform after publication of the revised version constitutes acknowledgment of the updated policy.