Refund Policy

By using RkvMoney, the user agrees that recharge, bill payment and wallet services are processed through telecom operators, BBPS billers, banks, payment gateways and API providers. RkvMoney works as a service facilitator and refunds will be handled only as per the final transaction status received from the concerned provider.

1. Successful Transactions

Once a recharge or bill payment is marked as Success by the provider/operator/biller, it will be treated as completed. No refund will be given for successful transactions, including cases where the user entered a wrong mobile number, consumer number, operator, circle, biller, amount or account detail.

2. Failed Transactions

If the amount is deducted from the RkvMoney wallet and the transaction receives a confirmed Failed status from the provider, the transaction amount will be returned to the user's RkvMoney wallet automatically or after admin verification. Refund will not be processed to bank account/cash unless specifically approved by management.

3. Pending Transactions

Pending transactions are not refundable immediately. The final status will be checked with the provider. If the final status is Success, no refund will be applicable. If the final status is Failed, wallet refund will be processed as per system rules. Users should not raise duplicate payments for the same bill/account while a transaction is pending.

4. User Mistake / Wrong Details

• Wrong mobile number, DTH number, consumer number, account number, operator, state/circle or biller selection is the user's responsibility.
• Wrong amount entered by user is not refundable if the transaction is accepted or successful at provider side.
• RkvMoney will not bear any loss caused by incorrect information submitted by the user.

5. Cashback, Commission and Offers

If any cashback, referral benefit, commission, discount or offer was applied on a transaction and that transaction is refunded, the cashback/benefit will be reversed. If the user has already used that benefit, the same amount may be deducted from the refundable value or user's wallet balance.

6. Provider / Biller Responsibility

RkvMoney does not own or operate telecom, DTH, FASTag, electricity, gas, water, broadband, loan repayment or other BBPS services. Any service activation, bill update, late fee, disconnection, duplicate bill, operator downtime, biller downtime, settlement delay or provider-side rejection will be subject to the concerned provider's rules.

7. Complaint and Verification

For refund support, the user may submit a complaint with transaction ID, mobile/consumer number and payment details. Admin will verify the transaction logs, provider response and wallet ledger before taking action. RkvMoney may reject any refund request if logs show that the service was delivered or the issue was caused by user mistake.

8. Refund Timeline

Eligible refunds are normally credited to the RkvMoney wallet after the provider confirms failure. In some cases, status confirmation may take additional time due to provider/biller/API delay, bank holidays or technical downtime.

By continuing to use RkvMoney, the user confirms that they have read and accepted this Refund Policy.