Refund & Cancellation Policy

• Money debited but transaction failed
• Duplicate payment for the same service
• BBPS bill payment completed but not processed by the biller
• Payout request initiated but not executed
• Service not delivered despite successful payment

All refunds are processed after transaction verification.

Certain payment categories cannot be cancelled or refunded once processed because they are handled by external billers or banks:

• Mobile/DTH recharge
• Utility bill payments (Electricity, Water, Gas, Broadband, Telecom, etc.)
• Insurance premium payments
• Any third-party product or service processed outside CloseXpay
• Transactions already marked as "Successful" by the biller or financial partner

Refunds are processed back to the original payment method:

Refund processing time may vary depending on the bank/biller.

To raise a refund or cancellation request, contact us via:

• All recharge and bill payment sales are final, as these are instant services.
• If an amount is debited but the recharge/bill payment fails or is not delivered within 24 hours, users can raise a complaint.
• After verification with the operator/biller, the refund will be processed within 7 working days if eligible.

• CloseXpay retains transaction data for 6 months as per regulatory guidelines under the Information Technology Act and applicable security standards.
• Your data is stored securely, encrypted, and used only to process transactions and resolve disputes.
• We do not share personal or transaction data with unauthorized third parties.

Once a payment is initiated, cancellation may not be possible, depending on the service type and biller rules. Cancellations are not accepted for:

• UPI payments already processed
• BBPS bill payments
• Mobile/DTH recharges
• Payouts already executed
• Third-party services fulfilled instantly

If a service has not been delivered and the transaction is pending, our team will assist in resolving or initiating a refund where applicable.

Your financial safety is our priority. CloseXpay implements:

• Real-time monitoring of transactions
• Automatic alerts for failed transactions
• Detailed transaction receipts
• Transparent communication during delays or downtime

Our support team is available to help you with any issues related to payments, billers, settlements, or refunds.