Refund & Cancellation Policy

Last Updated - 01 Aug, 2026

This Refund & Cancellation Policy (“Policy”) explains how refunds, reversals, and cancellations are handled for transactions and services facilitated through the platforms operated by Sahaj IT Innovations Private Limited (“Sahaj IT Innovations”, “Company”, “we”, “our”, or “us”). Please read this Policy carefully before using our services.

By using our website, applications, or services, you acknowledge and agree to the terms set out in this Policy.

1. Nature of Our Services

Sahaj IT Innovations operates as a technology platform that enables retailers, distributors, and partners to facilitate digital services such as mobile and DTH recharges, utility bill payments, money transfer, AEPS, travel bookings, insurance, and other value-added services.

Many of these services are delivered instantly and are processed by third-party operators, service providers, banks, aggregators, and payment partners. Because these transactions are executed in real time with third parties, they are generally treated as final once successfully completed.

2. Successful Transactions

Once a transaction has been successfully processed and the corresponding service has been delivered (for example, a recharge is applied, a bill is paid, a booking is confirmed, or a transfer is completed), the transaction is considered final and is generally non-refundable.

We are unable to reverse a successful transaction that has already been fulfilled by the relevant operator, biller, bank, or service provider. Requests relating to such transactions may need to be pursued directly with the concerned operator or service provider, subject to their applicable policies.

3. Failed, Declined, or Incomplete Transactions

If an amount is debited but the service is not delivered — for example, a recharge or bill payment fails, or a transaction remains incomplete — the amount is typically reversed automatically to the source account or wallet.

In cases where an automatic reversal does not occur, the refund is initiated once the transaction is confirmed as failed by the respective operator, bank, or payment partner. The time taken to complete such a refund depends on the processes and timelines of those third parties and is generally completed within 5–7 working days, though actual timelines may vary.

Please note that the exact reversal and settlement timelines are governed by the respective banks, operators, and payment networks and are not solely within our control.

4. Refund Method

Where a refund is applicable, it will be processed to the original source of payment or credited back to the associated platform wallet or account, as appropriate. We do not provide cash refunds against digital transactions.

5. Wallet Top-Ups and Balances

Amounts added to a platform wallet or account balance are intended for use towards services offered on the platform. Wallet balances may be subject to specific terms, and their usage, transfer, or reversal is governed by those terms and applicable law.

6. Cancellations

Instant services such as recharges and bill payments generally cannot be cancelled once initiated, as they are executed in real time. For services that involve bookings or reservations (such as travel or insurance), cancellations and any associated refunds, charges, or deductions are governed by the terms and conditions of the respective operator, provider, or underwriter.

7. Fees, Charges, and Commissions

Convenience fees, service charges, platform fees, subscription charges, and commissions, where applicable, are generally non-refundable, except where a refund is required under applicable law or expressly stated otherwise.

8. Raising a Refund Request or Dispute

If you believe a transaction has failed, been incorrectly processed, or an amount has been debited without the service being delivered, please contact our support team with the relevant transaction details, including the Transaction ID, date, amount, and service type.

To help us resolve the matter efficiently, we encourage you to raise such requests promptly after the transaction. We will review the request and coordinate with the relevant operator, bank, or partner where necessary. Resolution timelines may depend on responses received from these third parties.

9. Unauthorized or Fraudulent Transactions

Any transaction reported as unauthorized or fraudulent will be reviewed as part of our risk and dispute processes. Outcomes and any applicable refunds will depend on the findings of the investigation and the policies of the relevant banks, operators, and payment partners.

10. Updates to This Policy

We may update or revise this Policy from time to time to reflect changes in our services, operational processes, or legal and regulatory requirements. Any changes will be posted on this page with a revised effective date.

Contact Us

For any questions or assistance regarding refunds, reversals, or cancellations, please reach out to us at:

Sahaj IT Innovations Private Limited
Email: Info@sahajitinnovations.com