Clear Refund &
Reversal Information.

Refunds are not automatic for every transaction or service. The applicable outcome depends on the transaction status, selected service, provider terms and the reason for the refund request.

A transaction may be considered failed when the applicable service provider does not complete the intended service but the customer's payment account may still show a debit.

In such cases, the underlying bank, payment provider or service system may initiate a reversal according to its reconciliation and settlement process.

A pending transaction means the final outcome has not yet been confirmed by the applicable payment or service provider.

Customers and partners should wait for the final status before attempting another transaction for the same obligation, unless official provider guidance confirms that a retry is appropriate.

If the same service or obligation is paid more than once, the refund or adjustment process depends on how the service provider records the duplicate transaction.

Once a transaction has been successfully processed and the requested service has been delivered or credited, it may not be eligible for cancellation or refund unless the applicable provider rules allow it.

Customers are responsible for reviewing account numbers, consumer numbers, card details, booking details, traveller names or other relevant information before confirmation.

Flight, hotel and holiday-package refunds are controlled by the fare rules and cancellation conditions of the applicable airline, hotel, tour operator or travel aggregator.

The final refund amount may differ from the original payment amount where cancellation charges, provider fees, taxes, service fees or other disclosed deductions apply.

The exact deduction depends on the service category and applicable provider terms.

Refund and reversal timelines are not identical across all services. They may depend on the payment method, acquiring or issuing bank, provider reconciliation process and service type.

If you believe a transaction has been incorrectly processed, raise the issue through PAYVANTA's official support channel and provide sufficient information for review.

Never share passwords, OTPs, PINs, CVV numbers or UPI PINs while requesting refund support.

Subject to applicable law and provider terms, refund requests may be declined in situations such as:

PAYVANTA may update this policy to reflect changes in services, provider relationships, legal requirements or operational processes.

Where service-specific provider terms differ from this general policy, the applicable provider or contractual terms may govern the transaction or booking.