Refund & Cancellation Policy
EarnPay Digital Services provides AEPS facilities through partnered banks and authorized payment service providers, including:
- Cash Withdrawal
- Balance Enquiry
- Mini Statement
- Aadhaar Pay
- Cash Deposit (if applicable)
- Domestic Money Transfer Related Services
All AEPS transactions are processed through secure banking networks and NPCI-supported systems.
2. Refund Eligibility
Refunds for AEPS transactions will only be considered in the following cases:
- Amount debited from customer account but cash not dispensed.
- Failed AEPS transaction with successful bank debit.
- Duplicate debit for a single transaction.
- Technical/server issue causing unsuccessful transaction.
- Transaction marked failed but amount deducted from bank account.
All refund requests are subject to verification from bank logs, NPCI records, and transaction status reports.
3. Automatic Reversal
In many failed AEPS transactions, the deducted amount is automatically reversed by the customer’s bank within:
- 24 Hours to 7 Working Days
- In some banking cases, it may take up to 15 working days
Users are requested to wait for the standard banking reversal period before raising a dispute.
4. Non-Refundable Situations
Refund will NOT be applicable in the following situations:
- Successful cash withdrawal completed.
- Wrong Aadhaar or bank selected by retailer/customer.
- Customer fingerprint/authentication successful and transaction approved.
- Disputes raised after the allowed time period.
- Network interruption after successful transaction response.
- Customer denied receiving cash after successful biometric transaction without valid proof.
5. Cancellation Policy
AEPS transactions are real-time banking transactions and therefore:
- Once initiated and processed, AEPS transactions cannot be cancelled.
- Cash withdrawal requests cannot be reversed manually after success response.
- Wallet settlements and commissions once credited are non-cancellable.
6. Dispute & Complaint Process
For failed or disputed AEPS transactions, users must provide:
- Transaction ID / RRN Number
- Customer Aadhaar Number (masked if possible)
- Date & Time of Transaction
- Amount Deducted
- Screenshot or Bank Statement (if available)
Our support team will coordinate with the banking partner for resolution.
7. Refund Processing Timeline
- Verified refund cases are generally resolved within 5–15 working days.
- Refund amount is credited directly to the customer’s original bank account.
- EarnPay Digital Services does not provide cash refunds for AEPS disputes.
8. Retailer Responsibilities
Retailers/Agents using AEPS services must:
- Verify customer details carefully before transaction.
- Ensure biometric authentication is done in customer presence.
- Provide transaction receipt whenever possible.
- Maintain sufficient proof for disputed transactions.
- Avoid multiple attempts for the same failed transaction immediately.
Any fraudulent or suspicious activity may lead to:
- Retailer ID suspension
- Wallet blocking
- Legal complaint/reporting to authorities
9. Limitation of Liability
EarnPay Digital Services acts only as a technology/service facilitator between banks, NPCI, and retailers/customers.
We are not liable for:
- Banking server downtime
- NPCI network failure
- Biometric device malfunction
- Delayed reversals by customer bank
- Technical issues from third-party providers
10. Contact Support
For AEPS refund or dispute related support:
EarnPay Digital Services
- Email: support@earnpaydigital.in
- Mobile: +91 9278006767
- Website: www.earnpaydigital.in
11. Policy Updates
EarnPay Digital Services reserves the right to modify this AEPS Refund & Cancellation Policy at any time without prior notice.
Users are advised to review this page periodically for updates.
Disclaimer
AEPS services are governed by banking partner guidelines and NPCI regulations. Refund timelines may vary depending on the customer bank and transaction status verification process.
