Refund Policy

ZORAVA TECHNOLOGIES (OPC) PVT LTD provides digital recharge and bill payment services. Recharges and bill payments are processed instantly by the operator or biller, so once a transaction is successful it cannot be reversed. Refunds are given only in the cases explained below. All refunds are credited to your ZORAVA TECHNOLOGIES (OPC) PVT LTD wallet unless stated otherwise.

You will get a full refund in the following cases:

• The transaction shows "Failed" and the amount was deducted from your wallet
• The operator rejects or reverses the recharge
• The same transaction was charged twice because of a technical error
• A pending transaction is later confirmed as failed by the operator
• Wallet load money was debited from your bank but not credited to your wallet

• A successful recharge or bill payment
• Recharge done to a wrong mobile number, DTH ID or consumer number entered by you
• Wrong operator, circle or plan selected by you
• Plan benefits not received because of operator issues (please contact the operator directly)
• Complaints raised after 7 days from the transaction date
• Transactions found to be fraudulent or against our Terms & Conditions

Sometimes a transaction stays "Pending" because of a delay at the operator or bank. Please do not repeat the same recharge during this time. We check the status with the operator, and within 24 to 72 hours the transaction is either marked successful or failed. If it fails, the amount is refunded to your wallet automatically.

• BBPS payments follow the refund and complaint rules of NPCI Bharat BillPay.
• A successful bill payment cannot be cancelled. For excess or duplicate payment, the biller may adjust it in your next bill.
• If the bill is not updated by the biller, raise a complaint with your BBPS reference ID.
• Failed BBPS payments are refunded as per the BBPS timeline, usually within 3 to 7 working days.

• If money is debited from your bank but not added to your wallet, it will be credited after verification or returned to your bank account by the payment gateway.
• Bank or gateway refunds usually take 5 to 7 working days to reach your account.
• Wallet balance withdrawal to a bank account is allowed only to your own KYC-verified bank account.
• Commission already earned on successful transactions is not refundable.

Complaints must be raised within 7 days of the transaction date.

Recharges and bill payments are sent to the operator immediately, so they cannot be cancelled once submitted. API subscription or setup fees, if any, are non-refundable once the service is activated.

We may update this Refund Policy from time to time. Changes will be posted on this page with a new "Last Updated" date. Please also read our Terms & Conditions and Privacy Policy.