Refund Policy

1. Refund Eligibility

Lucky UPI Gateway offers refunds for failed or disputed UPI transactions under the following conditions:

• Transaction failed but amount was deducted from payer's account
• Duplicate payment for the same transaction
• Payment made to wrong beneficiary
• Service not delivered as promised by merchant
• Unauthorized/fraudulent transactions

2. Non-Refundable Transactions

The following transactions are typically not eligible for refunds:

• Successful payments where services were delivered as described
• Payments made more than 180 days ago
• Transactions where the merchant has a no-refund policy clearly stated
• Bank processing fees and other third-party charges

3. Refund Process

To request a refund:

1. Submit refund request through your Lucky UPI Gateway dashboard or email refunds@luckyupigateway.com
2. Provide transaction details (UTR number, date, amount)
3. Submit supporting documents if required
4. Our team will verify the request within 3-5 business days
5. Approved refunds will be processed within 7-10 business days

4. Refund Methods

Refunds will be issued through:

• Original payment method (preferred)
• Bank transfer to registered account
• Lucky UPI Gateway wallet credit (for select cases)

Processing fees may apply for certain refund methods.

5. Refund Timeframe

Standard refund processing times:

• Failed transactions: 3-5 business days
• Disputed transactions: 7-14 business days
• Merchant-initiated refunds: As per merchant processing time

Bank processing may add 1-3 additional business days.

6. Chargebacks and Disputes

• Customers must first attempt to resolve with the merchant
• Formal disputes must be filed within 60 days
• Funds may be temporarily held during investigation
• Evidence from both parties will be reviewed
• Final decision will be communicated within 30 days

7. Merchant Responsibilities

• Maintain clear refund policies
• Process valid refunds within 7 days
• Maintain sufficient balance
• Cooperate during disputes

8. Late or Missing Refunds

• Check your bank account again
• Contact your bank
• Contact our support team with transaction details

9. Policy Changes

We may update this Refund Policy periodically. Changes will be posted on this page with updated effective date.

10. Contact Us

Email: refunds@luckyupigateway.com
Phone: +91 XXXXXXXXXX
Hours: Mon-Sat, 10AM-6PM IST