1. Refund Eligibility

zaprupee offers refunds for failed or disputed UPI transactions under the following conditions:

• Transaction failed but amount was deducted from payer's account
• Duplicate payment for the same transaction
• Payment made to wrong beneficiary
• Service not delivered as promised by merchant
• Unauthorized/fraudulent transactions

2. Non-Refundable Transactions

The following transactions are typically not eligible for refunds:

• Successful payments where services were delivered as described
• Payments made more than 180 days ago
• Transactions where the merchant has a no-refund policy clearly stated
• Bank processing fees and other third-party charges

3. Refund Process

To request a refund:

1. Submit refund request through your zaprupee dashboard or email support@zaprupee.com
2. Provide transaction details (UTR number, date, amount)
3. Submit supporting documents if required
4. Our team will verify the request within 3-5 business days
5. Approved refunds will be processed within 7-10 business days

4. Refund Methods

Refunds will be issued through:

• Original payment method (preferred)
• Bank transfer to registered account
• zaprupee wallet credit (for select cases)

Processing fees may apply for certain refund methods.

5. Refund Timeframe

Standard refund processing times:

• Failed transactions: 3-5 business days (automatic in most cases)
• Disputed transactions: 7-14 business days after resolution
• Merchant-initiated refunds: As per merchant's processing time

Bank processing may add 1-3 additional business days.

6. Chargebacks and Disputes

For disputed transactions:

• Customers must first attempt to resolve with the merchant
• Formal disputes must be filed within 60 days of transaction
• We may temporarily hold funds during investigation
• Evidence from both parties will be reviewed
• Final decision will be communicated within 30 days

7. Merchant Responsibilities

Merchants using zaprupee must:

• Maintain clear refund policies on their platforms
• Process valid refund requests within 7 days
• Maintain sufficient balance for potential refunds
• Cooperate with zaprupee during dispute resolution

8. Late or Missing Refunds

If your refund hasn't arrived:

• Check your bank account again (processing delays may occur)
• Contact your bank (they may be holding the funds)
• Contact our support team with transaction details

9. Policy Changes

We may update this Refund Policy periodically. Changes will be posted on this page with updated effective date.

10. Contact Us

For refund-related questions or assistance:

Email: refunds@zaprupee.com
Phone: +91 9000233900 (Refund Department)
Hours: Mon-Sat, 10AM-6PM IST