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Refund & Cancellation

Refund & Cancellation – BharatOne Services and Affiliates Pvt. Ltd.

Last Updated: May 2026

This Refund & Cancellation Policy ("Policy") describes the general refund, reversal, cancellation, settlement, and transaction handling practices applicable to services offered through BharatOne Services and Affiliates Private Limited ("BharatOne", "Company", "we", "our", or "us").

This Policy applies to customers, merchants, retailers, agents, distributors, API users, franchise partners, and all users accessing or using the Services. By using the Services, Users acknowledge and agree to this Policy.

1. Scope of Services

This Policy applies to services including, where applicable:

  • Government and citizen services
  • Mobile recharge services
  • Bill payment and utility services
  • AEPS (Aadhaar Enabled Payment System)
  • Domestic Money Transfer (DMT)
  • BBPS services
  • UPI and QR payment services
  • Merchant payment and collection services
  • Travel and booking services
  • PAN card, insurance, banking, and financial services
  • Partner-enabled commerce services
  • Software subscriptions and SaaS services
  • API, payment gateway, payout, and platform services

Certain services may be facilitated, processed, or fulfilled through banks, regulated financial institutions, government departments, payment aggregators, licensed service providers, telecom operators, utility providers, or other third-party ecosystem partners. Refunds, reversals, cancellations, and settlement timelines may therefore depend upon their respective operational policies and reconciliation cycles.

2. Successful Transactions

Transactions that are successfully processed and confirmed are generally treated as final and non-reversible, unless otherwise required under applicable law or partner policy.

Users are responsible for:

  • Verifying all transaction details before confirmation;
  • Ensuring the accuracy of mobile numbers, Aadhaar numbers, account numbers, IFSC codes, bill references, booking details, or payment information;
  • Reviewing applicable charges, fees, and service conditions before proceeding.

BharatOne shall not be responsible for any loss arising from incorrect information entered by the User.

3. Failed Transactions

A transaction may fail due to:

  • Banking downtime;
  • Network interruptions;
  • Payment gateway failures;
  • Partner system unavailability;
  • Timeout errors;
  • Technical failures;
  • Invalid transaction details; or
  • Regulatory or operational restrictions.

Where payment has been successfully debited but the transaction fails or remains incomplete, the amount may be automatically reversed or refunded following reconciliation with the relevant bank, payment gateway, or partner institution.

Refund timelines may vary depending upon banking systems, settlement cycles, and partner policies.

4. Pending Transactions and Reversals

Certain transactions may remain in Pending, Processing, Queued, or Under Review status because of external system dependencies or reconciliation procedures.

Users acknowledge that:

  • Reversal timelines vary across different services;
  • Some reversals are controlled entirely by partner banks or payment systems;
  • BharatOne may not directly control partner settlement or refund timelines.

Users are advised not to initiate duplicate transactions while an earlier transaction remains pending.

5. Recharge and Bill Payment Services

For recharge and bill payment services:

  • Successfully processed transactions are generally non-cancellable.
  • Duplicate payments may require operator verification.
  • Failed transactions may be automatically reversed after reconciliation.
  • Delays may occur due to telecom operators or biller systems.

Users should carefully verify mobile numbers, customer IDs, account numbers, bill references, and payment amounts before confirming transactions.

6. Travel and Booking Services

Travel, hotel, ticketing, and booking services are governed by:

  • Airline policies;
  • Railway rules;
  • Bus operator conditions;
  • Hotel cancellation policies;
  • Third-party booking terms.

Cancellation charges, convenience fees, rescheduling charges, and non-refundable fare conditions may apply.

Refund timelines depend upon approval by the respective service provider and applicable banking settlement processes.

7. Merchant Services and Settlements

Merchant settlements, reversals, commissions, and adjustments may be subject to:

  • Transaction verification;
  • Reconciliation;
  • Fraud prevention checks;
  • Compliance review;
  • Chargeback handling;
  • Partner approval.

BharatOne reserves the right to temporarily hold or delay settlements where:

  • Suspicious activity is detected;
  • Regulatory review is pending;
  • Fraud investigations are ongoing;
  • Reconciliation discrepancies exist; or
  • Operational risks are identified.

8. Non-Refundable Scenarios

Refunds or cancellations may not be available under the following circumstances:

  • Successfully completed recharge transactions;
  • Incorrect information submitted by the User;
  • Duplicate payments caused by User error;
  • Government service fees already submitted;
  • Services already delivered or consumed;
  • Activated software subscriptions or API services;
  • Non-refundable travel bookings;
  • Convenience fees, platform charges, processing fees, taxes, or statutory levies;
  • Transactions restricted by banking partners, regulators, or applicable laws.

Unless otherwise mandated by law, convenience fees, payment gateway charges, taxes, and partner processing charges shall remain non-refundable.

9. Chargebacks and Disputes

Users should first contact BharatOne Customer Support before initiating chargebacks through banks or payment service providers.

Where chargebacks are initiated:

  • Transaction records may be reviewed;
  • Supporting documentation may be requested;
  • Settlement adjustments may occur based on banking or payment network decisions.

Merchants remain responsible for disputes arising from unauthorized transactions, fraud, service non-delivery, policy violations, or operational misuse.

10. Refund Processing

Approved refunds or reversals may be credited through:

  • The original payment method;
  • Linked bank account;
  • UPI;
  • Payment instrument;
  • BharatOne wallet (where applicable); or
  • Any other operationally supported settlement mechanism.

Actual credit timelines depend upon banking systems, payment gateways, partner institutions, and reconciliation cycles.

11. User Responsibilities

Users are responsible for:

  • Reviewing transaction details before confirmation;
  • Maintaining accurate account information;
  • Preserving receipts and transaction references;
  • Promptly reporting failed or disputed transactions;
  • Avoiding duplicate payment attempts while transactions remain pending.

Users shall not misuse refund mechanisms, initiate fraudulent disputes, attempt unauthorized reversals, or abuse promotional or settlement systems.

12. Limitation of Liability

BharatOne shall not be liable for delays, failures, or losses arising from:

  • Banking or payment network delays;
  • Telecom or internet failures;
  • Government department processing timelines;
  • Third-party partner system failures;
  • External reconciliation delays;
  • Regulatory restrictions;
  • Incorrect information submitted by Users; or
  • Events beyond BharatOne's reasonable operational control.

13. Policy Updates

BharatOne may amend or update this Policy from time to time to reflect operational improvements, partner requirements, technology changes, legal developments, or regulatory obligations.

The latest version of this Policy will be published on the official BharatOne website.

Continued use of the Services following publication of revised terms constitutes acceptance of the updated Policy.

14. Contact Information

For refund, cancellation, settlement, or transaction-related queries, please contact: