0. About Paybeez Points (Read First)
Paybeez Points are a single-purpose, non-monetary service credit — they are not money, not e-money, not a bank account, not a deposit and not a payment instrument of any kind. Points may only be redeemed against recharges and bill payments on Paybeez. Paybeez Points are non-transferable to any other person or account, and are not redeemable for money and cannot be paid out to your bank, UPI, debit card or credit card. Where a service fails, Points are credited back to your Points balance, not to your bank.
1. Refunds on Paybeez Points Purchases
- Completed Paybeez Points purchases are final and non-refundable to the source (your bank/UPI/card) once the Points are credited to your Points balance, except in cases of duplicate charge, technical failure, or as required by law.
- If your bank or card is debited but the Paybeez Points are not credited within 30 minutes, the payment is treated as failed and the amount is reversed to the source within 5–7 working daysunder the payment gateway’s failed-transaction reversal SLA.
- For duplicate or failed Points purchases, raise a ticket at support@paybeez.in with the UTR / order ID. We will reconcile with the payment aggregator and refund within 5–7 working days.
2. Recharge / Bill Payment Refunds
- When you place a recharge or bill payment, the corresponding Paybeez Points are redeemed from your Points balance and the request is forwarded to the operator/biller via our upstream aggregator.
- If the operator returns SUCCESS, the transaction is considered complete and is non-refundable. The benefit (talktime, data, validity) lies with the operator.
- If the operator returns FAILURE or the operator could not be reached, the redeemed Points are automatically credited back to your Paybeez Points balance — typically within seconds, and at the latest within 24 hours.
- For transactions that remain in PROCESSING beyond 24 hours, our reconciliation system will resolve them based on the operator callback. If unconfirmed, the Points are credited back to your Points balance.
3. Wrong Number / Wrong Operator Recharge
Once a recharge is sent to the operator, it cannot be reversed by us. You are responsible for verifying the mobile number, operator and circle before confirming. If you recharged the wrong number that is nonetheless valid for the chosen operator, the operator's recharge reversal policies apply — we will assist on a best-effort basis but cannot guarantee recovery.
4. No Cash-Out or Money Redemption
Paybeez Points have no monetary value and can never be paid out to a bank account, UPI handle, debit card or credit card. Paybeez Points are a non-monetary service credit, not e-money and not any form of payment instrument. Points cannot be exchanged for money, sent to another user, or used anywhere outside Paybeez.
This applies at all times, including on account closure: any unused Paybeez Points lapse and are cancelled, and no amount is payable to you in money or to any bank account, UPI handle or card. Paybeez operates no withdrawal, cash-out or encashment facility. Where a regulator, court or law-enforcement authority directs a reversal, or where a Points purchase was unauthorised, the original payment may be reversed by the payment gateway to the original payment method.
5. Refund Timelines (Summary)
- Points re-credited after a failed service: instant to 24 hours.
- Failed Points purchase (bank/card debited, Points not credited): 5–7 working days back to source.
- Cash-out of Points to a bank account: not available — Paybeez Points cannot be redeemed for money.
6. Chargebacks
Initiating a chargeback without first contacting our support team is discouraged and may result in account suspension. Please raise an issue with us first; we resolve the vast majority of disputes within 7 working days.
7. How to Request a Refund
- Email support@paybeez.in from your registered email/mobile.
- Include: your registered mobile, order ID / UTR, transaction date, amount and a brief description.
- Acknowledgement within 48 hours; resolution within 5–7 working days for Paybeez Points re-credits and 7–10 working days for reversals to your bank or card.
8. Escalation
If you are not satisfied with the response, escalate to our Grievance Officer at grievance@paybeez.in. If the grievance remains unresolved for more than 30 days, you may approach the relevant consumer forum or the National Consumer Helpline (1915). For complaints about the bank, card issuer or payment gateway that processed your payment, you may also approach that entity’s own grievance mechanism.