Refund Policy

1 Refund Applicable

If a Mobile Recharge, DTH Recharge, Bill Payment or any other service transaction is failed and the amount is deducted, the refund will be processed.

2 Refund Not Applicable

• Successful transactions.
• Wrong number / operator / amount entered by user.
• Customer changed mind after successful recharge.
• Fraudulent or suspicious transactions.

3 Auto Refund

Most of the failed transactions are refunded automatically by the operator in shortest possible time (usually within a few minutes to 24 hours).

4 Manual / Delayed Refund

If refund is not received automatically, it will be processed manually after verification from API / operator within 3 to 7 working days.

5 How to Raise Refund Request

• Check transaction status in your account.
• If status is failed / pending, wait for auto refund.
• If not refund in given time, raise a support ticket or contact our customer care with Transaction ID.

6 Refund Mode

• Refund will be credited to your Raya Global Fintech wallet / account balance only.
• Bank account refund is not provided.
• Wallet refund can be used for next transactions.

7 Time Limit

Refund request should be raised within 30 days from the date of transaction. After this, the refund cannot be guaranteed.

8 Final Decision

Raya Global Fintech reserves the right to verify and take the final decision on any refund request as per our terms, partner guidelines and operator policies.