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Refund Policy

Understand our refund and cancellation process for transactions.

Effective Date: 1st January 2025

This Refund Policy outlines the terms and conditions under which refunds are processed for transactions made through the API Partner payment platform. By using our services, you agree to this policy.

1. Overview

API Partner acts as a payment facilitator between merchants and their customers. Refund policies for goods and services purchased are primarily governed by the respective merchant's refund policy. However, the following guidelines apply to transactions processed through our platform.

2. Refund Eligibility

Refunds may be initiated in the following cases:

  • Duplicate transaction: The customer was charged more than once for the same order
  • Failed delivery: The merchant failed to deliver the goods or services
  • Defective product/service: The goods or services received were significantly different from what was described
  • Transaction error: An incorrect amount was charged due to a technical error
  • Unauthorized transaction: The transaction was made without the cardholder's consent

3. Refund Process

For Merchants

  • Merchants can initiate refunds through the API Partner dashboard or via API
  • Full or partial refunds can be processed for any successful transaction
  • Refund requests must be raised within 180 days of the original transaction date
  • Refund amount cannot exceed the original transaction amount

For Customers

  • Customers should first contact the merchant directly for refund requests
  • If the merchant is unresponsive, customers may reach out to API Partner support
  • Proof of purchase and communication with the merchant may be required

4. Refund Timeline

Payment Method Refund Timeline
Credit / Debit Card 5–7 business days
Net Banking 5–7 business days
UPI 2–5 business days
Wallets 2–3 business days
EMI 7–10 business days

Timelines are indicative and may vary depending on the issuing bank or payment provider. API Partner initiates refunds promptly, but the actual credit to the customer's account depends on the respective bank or wallet provider.

5. Platform Service Fee Refunds

Transaction processing fees charged by API Partner are non-refundable. When a merchant initiates a refund, the full transaction amount is refunded to the customer, but the processing fee originally deducted is not reversed to the merchant.

6. Subscription & Plan Cancellations

  • Monthly subscription fees are non-refundable once the billing cycle has started
  • Annual plans may be eligible for a pro-rata refund if cancelled within the first 30 days
  • To request cancellation, contact our support team at apipartner@gmail.com

7. Chargebacks

If a customer disputes a transaction with their bank (chargeback), the disputed amount will be debited from the merchant's settlement or hold balance. Merchants are responsible for providing supporting documentation to contest chargebacks. API Partner will assist in the dispute resolution process but does not guarantee outcomes.

8. Non-Refundable Scenarios

  • Transactions older than 180 days
  • Transactions flagged for fraud or policy violation
  • Services fully rendered and acknowledged by the customer
  • Setup fees or one-time integration charges

9. How to Request a Refund

To request a refund, please contact us with the following details:

  • Transaction ID / Order ID
  • Date and amount of transaction
  • Reason for refund
  • Supporting documents (if applicable)

10. Contact Us

For any refund-related queries, reach out to us: