Refund & Cancellation Policy

1. Scope

This policy covers OptionPay technology platform fees, onboarding/setup charges, subscription renewals and custom software / website / mobile project fees charged by OptionPay.

It does not govern retailer–customer bill payments, AEPS cash-outs, remittances or other end-user financial transactions processed on third-party rails. Those follow the relevant bank, Bharat Connect / BBPS, NPCI or biller dispute processes.

2. Platform & subscription fees

Unless otherwise stated in your commercial schedule: setup/onboarding fees are non-refundable once KYC review or environment provisioning has started; unused prepaid subscription periods may be considered for credit if cancelled in writing before the next billing cycle and no production misuse is found.

Month-to-month plans typically cancel at period end. Annual plans follow the notice period in your agreement.

3. Custom IT / website / mobile projects

Fixed-scope projects are billed per milestone. Completed milestones are non-refundable. If you cancel mid-project, you remain liable for work performed and approved change orders; unused advance for unstarted milestones may be refunded after deduction of costs already incurred.

4. Payment transactions

Failed or disputed end-user transactions are handled via the acquiring bank, biller or scheme rules. OptionPay will support partners with logs and references but cannot unilaterally reverse scheme settlements.

5. How to request a cancellation or refund

Email support@optionpay.in with subject “Refund / Cancellation”, your legal entity name, invoice or receipt number, and reason. We acknowledge within 3 working days and aim to decide within 15 working days.

6. Refund method

Approved refunds are issued to the original payment instrument or partner settlement account within a further 7–14 working days, subject to bank processing.