Effective Date: February 05, 2026 | Last Updated: February 05, 2026
Our Commitment to Fair Refunds
At ABHIEO Fintech Private Limited ("ABHIEO", "we", "us", or "our"), we are committed to providing transparent and fair cancellation and refund policies. This policy explains when and how you can cancel transactions, request refunds, and what timelines to expect.
📌 Important Notice:
Due to the instant and digital nature of our services (mobile recharges, DTH recharges, bill payments, etc.), most transactions are processed immediately and cannot be cancelled once completed successfully. However, we understand that technical errors and failed transactions occur, and we're here to help make things right.
This Cancellation and Refund Policy applies to all services provided through the ABHIEO platform, including our website (www.abhieo.in) and mobile applications.
1. General Cancellation Policy
1.1 Nature of Digital Services
ABHIEO provides instant digital services that are processed in real-time. Once a transaction is successfully completed and the service is delivered to the Service Provider (mobile operator, DTH provider, biller, etc.), the transaction becomes final and irreversible.
1.2 When You Can Cancel
✅ Cancellation Allowed:
- Before Payment Completion: You can abandon or cancel a transaction before completing the payment
- Pending Transactions: If a transaction is stuck in "pending" status for more than 24 hours, you may request cancellation
- Payment Gateway Issues: If payment fails at the gateway level before reaching the Service Provider
1.3 When You Cannot Cancel
⚠️ Cancellation NOT Allowed:
- Completed Transactions: Once a recharge/payment is successfully processed and confirmed
- Service Already Delivered: When the service has been credited to the beneficiary account
- User Error: Wrong mobile number, account number, operator, or amount entered by mistake
- Change of Mind: After successful transaction completion
1.4 User Responsibility
You are responsible for:
- Verifying all transaction details before confirming payment
- Double-checking mobile numbers, account numbers, service providers, and amounts
- Ensuring you select the correct plan, package, or bill amount
- Reading and accepting transaction confirmations before proceeding
⚠️ Important Warning:
ABHIEO cannot reverse or refund transactions that were completed successfully to the wrong recipient due to user input errors. Please triple-check all details before confirming any transaction.
2. When Refunds Are Provided
ABHIEO will issue refunds in the following situations:
2.1 Failed Transactions
💳 Transaction Failure Scenarios:
- Payment debited from your account but recharge/service not delivered
- Transaction marked as "failed" but amount was deducted
- Service Provider reports transaction failure after payment success
- Technical error on ABHIEO platform or payment gateway
- Bank/UPI timeout causing payment deduction without service delivery
2.2 Duplicate Transactions
If you are charged multiple times for the same transaction due to:
- Technical glitches on the platform
- Payment gateway errors
- Network issues causing multiple payment submissions
- System errors resulting in duplicate debits
The duplicate charge(s) will be refunded after verification.
2.3 Service Provider Failures
Refunds will be processed if:
- The Service Provider confirms non-delivery of the service
- The recharge/payment is rejected by the operator/biller
- Service Provider systems are down and transaction cannot be completed
2.4 Promotional Offer Discrepancies
If there's a discrepancy between:
- Advertised promotional offer and actual amount charged
- Cashback promised and cashback received
- Discount shown and discount applied
The difference may be refunded or credited as cashback after verification.
2.5 Technical Errors by ABHIEO
Refunds will be issued if the error is attributable to:
- ABHIEO platform malfunction
- Incorrect amount processing by ABHIEO systems
- Wrong service provider selection due to platform bug
- Data synchronization errors
3. When Refunds Are NOT Provided
⚠️ No Refund Situations:
Please note that refunds will NOT be issued in the following circumstances:
3.1 User Input Errors
No refunds for:
- Wrong mobile number, DTH customer ID, or account number entered by you
- Incorrect operator or service provider selected
- Wrong recharge plan or bill amount chosen
- Typing errors in beneficiary details
- Selecting wrong state/circle for mobile recharges
3.2 Successful Transactions
No refunds for:
- Completed recharges and bill payments that were successfully delivered
- Transactions confirmed by the Service Provider
- Services already credited to the recipient account
- Change of mind after transaction completion
3.3 Service Provider Delays
No refunds for:
- Delays in service activation by telecom operators or DTH providers
- Service Provider maintenance or downtime (if payment reached the provider)
- Bill payment reflection delays at biller end
- Network issues at operator/provider level
3.4 Promotional and Cashback Offers
No refunds for:
- Cashback or rewards that don't meet eligibility criteria
- Promotional offers that have expired before transaction
- Offers that require minimum transaction amounts not met
- Referral rewards where terms and conditions were not fulfilled
3.5 Wallet and Prepaid Balance
No refunds for:
- ABHIEO wallet top-ups (B2B2C customers)
- Prepaid balance additions (as per business model)
- Unused wallet balance (non-withdrawable as per policy)
3.6 Third-Party Services
No refunds for:
- Issues arising from Service Provider policies beyond ABHIEO's control
- Disputes with telecom operators, billers, or banks
- Quality of service provided by third parties
- Service Provider pricing or policy changes
4. Service-Specific Refund Policies
| Service Type |
Refund Eligibility |
Processing Time |
| Mobile Recharge |
Only if payment debited but recharge failed |
3-7 business days |
| DTH Recharge |
Only if payment debited but recharge failed |
3-7 business days |
| Electricity Bill |
Only if payment debited but not credited to biller |
7-10 business days |
| Gas Bill |
Only if payment debited but not credited to provider |
7-10 business days |
| Water Bill |
Only if payment debited but not credited to authority |
7-10 business days |
| Broadband Bill |
Only if payment debited but not credited to ISP |
7-10 business days |
| FASTag Recharge |
Only if payment debited but FASTag not recharged |
3-7 business days |
| Insurance Premium |
Only if payment debited but not received by insurer |
10-15 business days |
| Credit Card Bill |
Only if payment debited but not credited to card |
7-10 business days |
📌 Important Notes:
- Refund timelines start from the date of refund approval, not request date
- Additional 2-3 days may be required for bank processing
- Biller-specific delays may occur and are beyond ABHIEO's control
- Service Provider confirmation is required for certain refunds
5. Refund Process and Timeline
5.1 Automatic Refunds
For clearly failed transactions where payment was debited but service was not delivered, ABHIEO initiates automatic refunds without requiring a manual request.
✅ Automatic Refund Timeline:
- Detection: Failed transactions are automatically detected within 24 hours
- Verification: System verifies with Service Provider (1-2 business days)
- Initiation: Refund initiated to original payment source (within 3 business days)
- Completion: Amount credited to your account (3-7 business days from initiation)
5.2 Refund Methods
Refunds are processed to the original payment source:
| Payment Method |
Refund Destination |
Timeline |
| UPI |
Same UPI ID/linked bank account |
1-3 business days |
| Debit Card |
Same debit card/linked account |
5-7 business days |
| Credit Card |
Same credit card |
5-7 business days |
| Net Banking |
Same bank account |
5-7 business days |
| Digital Wallets |
Same wallet account |
2-5 business days |
| ABHIEO Wallet |
Your ABHIEO wallet |
Instant to 24 hours |
5.3 Refund Stages
🔄 Refund Processing Stages
1
Request Submission
Customer submits refund request with transaction details and proof (if applicable)
2
Request Acknowledgment
ABHIEO acknowledges receipt within 24 hours and provides ticket/reference number
3
Investigation & Verification
Team verifies transaction status with Service Provider and payment gateway (3-5 business days)
4
Decision Communication
Customer is informed of refund approval or rejection with reasons (within 7 business days)
5
Refund Processing
If approved, refund is initiated to original payment source (within 2 business days of approval)
6
Credit to Account
Amount credited to your bank/wallet/card account (3-10 business days based on payment method)
5.4 Refund Notifications
You will receive notifications at every stage:
- SMS: Refund initiation and completion updates
- Email: Detailed status updates and refund confirmation
- In-App: Real-time notifications and transaction history updates
- Support Ticket: Status updates on your support ticket
6. How to Request a Refund
6.1 Required Information
To request a refund, you must provide:
📋 Refund Request Checklist:
- Transaction ID: Unique reference number from ABHIEO
- Transaction Date & Time: When the transaction was made
- Transaction Amount: Amount paid
- Service Details: Type of service (recharge/bill payment), mobile number/account number
- Payment Method: How you paid (UPI/card/net banking/wallet)
- Payment Proof: Bank statement screenshot or payment confirmation
- Issue Description: Clear explanation of the problem
- Contact Details: Your registered mobile number and email
6.2 How to Submit Refund Request
Method 1: Through Mobile App/Website
- Log in to your ABHIEO account
- Go to "Transaction History" or "My Orders"
- Select the failed/disputed transaction
- Click on "Report Issue" or "Request Refund"
- Fill in the refund request form with required details
- Attach supporting documents (if any)
- Submit the request
- Note down the ticket/reference number provided
Method 2: Email Support
Send an email to: wecare@abhieo.in
Subject Line: Refund Request - [Transaction ID]
Email Body Should Include:
- Your name and registered mobile number
- Transaction ID and date
- Service type and amount
- Detailed description of the issue
- Payment proof (attach screenshot)
- Bank account details for refund (if different from payment source)
Method 3: Customer Support Chat
- Open ABHIEO app or website
- Click on "Help & Support" or "Chat with Us"
- Connect with customer support agent
- Provide transaction details
- Follow agent's instructions for refund request
6.3 Response Time
⏱️ Expected Response Times:
- Initial Acknowledgment: Within 24 hours
- Status Update: Within 3-5 business days
- Final Decision: Within 7-10 business days
- Refund Processing (if approved): Additional 3-10 business days
6.4 Follow-Up
If you don't receive a response within the specified timeframe:
- Check your spam/junk folder for email responses
- Log in to your account and check transaction status
- Contact customer support with your ticket/reference number
- Escalate to grievance officer if unresolved (grievance@abhieo.in)
7. Duplicate Transaction Policy
7.1 What Are Duplicate Transactions?
Duplicate transactions occur when:
- You are charged multiple times for the same single transaction
- System errors cause multiple deductions for one recharge/payment attempt
- Network issues result in repeated payment submissions
- Payment gateway timeouts lead to multiple debits
7.2 Duplicate Refund Process
🔄 How Duplicate Charges Are Handled:
- Detection: System automatically detects duplicate transactions
- Verification: Team verifies that only one service was delivered
- Refund Initiation: Duplicate charge(s) are automatically refunded
- Timeline: Refund processed within 7-10 business days
7.3 Important Notes on Duplicates
⚠️ Please Note:
- Intentional Duplicates: If you intentionally make multiple recharges/payments for the same service, each will be treated as a separate transaction and will NOT be refunded
- Multiple Recipients: If you recharge/pay for different mobile numbers or account numbers, these are NOT duplicates
- Verification Required: You may need to provide payment proof from your bank statement
7.4 Prevention Tips
To avoid duplicate transactions:
- Do NOT click the "Pay" button multiple times
- Wait for transaction confirmation before retrying
- Do NOT press the "Back" button during payment processing
- Ensure stable internet connection during transactions
- Check transaction history before retrying a failed transaction
8. Failed Transaction Handling
8.1 Types of Failed Transactions
Type 1: Payment Failure (No Debit)
Scenario: Payment fails before money is deducted from your account
Action Required: None. You can retry the transaction
Refund: Not applicable (no amount debited)
Type 2: Payment Success but Service Failure (Debit Occurred)
Scenario: Money debited but recharge/service not delivered
Action Required: Wait 24 hours for automatic refund or contact support
Refund: Automatic refund within 3-7 business days
Type 3: Pending Transactions
Scenario: Transaction stuck in "Pending" status
Action Required: Wait 24 hours; if still pending, contact support
Resolution: Either completed or refunded within 7 business days
8.2 Immediate Steps After Transaction Failure
✅ What To Do When Transaction Fails
1
Check Transaction Status
Go to "Transaction History" in your ABHIEO account to verify the status
2
Check Bank/Payment Account
Verify if amount has been debited from your bank account or wallet
3
Wait 24 Hours
Many issues resolve automatically within 24 hours; avoid duplicate attempts
4
Contact Support (if needed)
If issue persists after 24 hours, contact customer support with transaction ID
8.3 Automatic Refund Triggers
ABHIEO's system automatically initiates refunds when:
- Payment gateway confirms successful payment but Service Provider reports failure
- Transaction times out at Service Provider end after payment
- Service Provider's system is down and cannot process the transaction
- Reconciliation identifies unmatched successful payments
9. Wallet and Prepaid Balance Refunds
9.1 ABHIEO Wallet Refunds
Refunds to ABHIEO wallet:
- Are processed faster (instant to 24 hours)
- Can be used for future transactions immediately upon credit
- Do not incur bank processing delays
- Are the default refund method for wallet-funded transactions
9.2 Wallet Balance Withdrawals
⚠️ Wallet Withdrawal Policy:
For B2B2C Customers: Wallet balance top-ups are FINAL and NON-REFUNDABLE. Once you add money to your ABHIEO wallet, you cannot withdraw it back to your bank account. Wallet balance can only be used for ABHIEO services.
For Regular Customers: Wallet refund amounts (from failed transactions) can be requested for withdrawal subject to verification and minimum balance requirements.
9.3 Prepaid Balance for Business Users
For B2B2C customers and business partners:
- All prepaid balance purchases are final and non-refundable
- Balance can only be used for service transactions on the platform
- Unused balance does not expire but cannot be withdrawn
- Balance can be transferred to another ABHIEO business account (subject to approval)
10. Dispute Resolution
10.1 Refund Request Rejection
If your refund request is rejected, you will receive:
- Clear explanation of the rejection reason
- Supporting evidence (transaction logs, Service Provider confirmations)
- Options for next steps
10.2 Escalation Process
📢 Escalation Levels
1
Level 1: Customer Support
Initial refund request to wecare@abhieo.in - Response within 7 business days
2
Level 2: Grievance Officer
Escalate to grievance@abhieo.in - Response within 15 business days
3
Level 3: Senior Management
Further escalation for complex disputes - Response within 30 business days
10.3 Documentation for Disputes
When escalating a refund dispute, provide:
- Original refund request email and response
- All communication with customer support
- Bank statements showing debit
- Service Provider confirmation (if available)
- Screenshots of transaction status
- Any other relevant evidence
10.4 External Dispute Resolution
If the dispute remains unresolved, you may approach:
- RBI Ombudsman: For payment-related grievances (cms.rbi.org.in)
- Consumer Forum: Under Consumer Protection Act
- NPCI: For UPI transaction disputes
11. Important Terms and Conditions
11.1 Refund Timeframe Limitations
- Refund requests must be submitted within 30 days of the transaction date
- Requests submitted after 30 days may not be entertained
- For billing disputes, requests must be made within the billing cycle
11.2 Supporting Documentation
- You may be required to provide bank statements or payment confirmations
- KYC verification may be required for high-value refunds
- Service Provider confirmation may be requested for certain transactions
11.3 Currency and Fees
- All refunds are processed in Indian Rupees (INR)
- ABHIEO does not charge any fees for processing refunds
- Bank or payment gateway charges (if any) are not refundable
- Any convenience fees or service charges are non-refundable for successful transactions
11.4 Force Majeure
Refund timelines may be extended due to:
- Technical failures or system downtime
- Bank holidays or extended weekends
- Service Provider delays beyond ABHIEO's control
- Regulatory restrictions or compliance requirements
- Acts of God, natural disasters, or emergencies
11.5 Modifications to Policy
📌 Policy Updates:
ABHIEO reserves the right to modify this Cancellation and Refund Policy at any time. Changes will be effective immediately upon posting on the website/app. Continued use of services after changes constitutes acceptance of the modified policy. We recommend reviewing this policy periodically.
11.6 Governing Law
This Cancellation and Refund Policy is governed by the laws of India and subject to the exclusive jurisdiction of courts in New Delhi, India.