Refund & Cancellation Policy

1. General Policy

Once a transaction is processed, it may not be reversible. Refunds are subject to:

• Nature of the service.
• Transaction status.
• Partner and bank policies.
• Applicable regulatory guidelines.

2. Non-Refundable Transactions

The following transactions are generally non-refundable:

• AEPS Cash Withdrawals
• Micro ATM (mATM) Transactions
• Successful Bill Payments
• Credit Card Bill Payments
• POS Transactions
• Completed Digital Payments

3. Failed or Pending Transactions

• Eligible amounts may be reversed automatically.
• Processing timelines depend on banks and partners.
• OmkaraPay is not responsible for delays caused by external banking or payment systems.

4. Duplicate or Incorrect Transactions

• Must be reported immediately.
• All requests will be verified before processing.
• User-entered errors may not qualify for a refund.

5. Travel Services & Holiday Packages

• Subject to the service provider's cancellation policy.
• Cancellation charges may apply.
• Refund timelines vary by provider.

6. E-Commerce Services

• Refunds depend on the seller's return policy.
• Product condition and eligibility.
• Platform-specific terms and conditions.

7. 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.

8. Refund Processing Timelines

• Processed according to bank and partner settlement cycles.
• May require several working days.
• External banking delays are beyond the control of OmkaraPay.

9. How to Request a Refund

Please provide the following details:

• Transaction ID or Reference Number
• Date of Transaction
• Transaction Amount
• Description of the Issue

10. Policy Changes

OmkaraPay reserves the right to modify this Refund & Cancellation Policy at any time. Continued use of our services constitutes acceptance of the updated policy.

11. Contact Us

12. Acceptance

By accessing or using our services, you acknowledge that you have read, understood, and agreed to this Refund & Cancellation Policy.