Legal

Refund & Cancellation Policy

Cancellation, refund scenarios, and the process for all DBDK Technology products and services — including BBPS, recharge, travel, KYC, banking, insurance, and software.

Last updated: 9 September 2026

1. Scope

This Refund and Cancellation Policy applies to all products and services offered by DBDK Technology through websites, apps, APIs, and partner / white-label platforms, including:

It should be read with our Terms & Conditions. Complaints: dbdktechnology@gmail.com · Office no 203, Possible Triangle Complex, opp Satva Prime, Mavdi road, Rajkot - 360004, Gujarat, India.

Where a bank, NPCI, operator, travel supplier, government agency, or insurer has its own refund or cancellation rule, that rule applies to the underlying product. DBDK refunds only amounts it actually controls (typically a failed debit that did not reach the provider, or a platform fee collected for a failed service).

2. How refunds are decided (all products)

We first confirm the final status with the relevant rail (BBPS, bank, operator, travel supplier, or agency):

A debit SMS or bank statement alone is not proof of a successful service. Status on the provider’s system is decisive.

3. BBPS and utility bill payments

Once a BBPS transaction is successful and an approval / BBPS reference number is issued, the amount is paid to the biller. Such payments cannot be cancelled or refunded by DBDK, because the bill has been accepted by the biller.

If you paid the wrong consumer number or a wrong amount and the payment succeeded, you must approach the biller (electricity board, gas company, telecom, etc.) for any adjustment. DBDK cannot reverse a successful BBPS credit.

If the payment is confirmed as failed (bank / UPI / card / wallet failure or BBPS decline), the bill is not treated as paid and the debit is reversed to the original source. Convenience / service fee for that failed payment is also reversed unless the instrument rules state otherwise.

If two successful BBPS payments are made for the same bill, the extra credit is with the biller. Refund or adjustment of the duplicate is as per the biller’s and BBPS policy. We will share transaction references to help you raise the case with the biller.

4. Recharge (mobile, DTH, postpaid)

A recharge that is confirmed successful by the operator cannot be cancelled or refunded by DBDK. Plan, validity, and talk-time disputes must be taken up with the operator.

If the operator or aggregator marks the recharge as failed, the amount (and related convenience fee, if deducted) is reversed to the original payment source. Wrong number / operator selected by you is your responsibility; a successful recharge on a wrong number cannot be reversed by DBDK.

5. AePS, DMT, payout, and payment gateway

Successful credits (with RRN / UTR / gateway success) cannot be cancelled by DBDK. Recovery of a payment sent to a wrong beneficiary depends on the beneficiary bank and applicable NPCI / bank process and is not guaranteed.

Failed or unconfirmed transactions are reversed to the original source once the bank / gateway confirms failure. Pending transactions follow section 2. Chargebacks on cards follow the card-network and acquiring-bank process.

6. Travel — hotel, flight, bus, and train

Supplier refunds, once approved, are credited to the original payment instrument. Bank posting time after initiation is as per the bank (typically 5–10 working days after the supplier releases funds).

7. Identity, KYC, and e-governance (Aadhaar, PAN, DSC, applications)

8. Banking and insurance

Account opening and insurance are issued by the bank or insurer. Premium refund, free-look cancellation, or account-related reversal follows that bank’s or insurer’s policy and IRDAI / RBI rules. DBDK can share application / payment references and, where we collected a facilitation fee for a request that did not reach the insurer or bank, refund that fee as per section 2.

9. Software, API, white-label, and custom development

10. Convenience and service fees

Any convenience or service fee shown before payment is charged for using the platform. It is refundable if the underlying product fails (failed BBPS, failed recharge, failed booking, failed payout, etc.). It is not refunded for successful deliveries, including if you later dispute the bill, fare, or government application with the provider.

11. How to request a refund or cancellation review

Email dbdktechnology@gmail.com with the subject line stating the product (for example “Refund – BBPS”, “Refund – Flight”, “Refund – Recharge”). Include:

We will check provider / bank status and guide you. Refunds we control are initiated only after failure or eligible cancellation is confirmed. Bank credit time after initiation depends on your bank and, for travel, on the supplier releasing funds.

Typical review turnaround for a complete request is 3–7 working days for status confirmation. Actual credit may take longer as noted above.

12. Grievance

If you are not satisfied with the response, you may escalate to the same email marked “Grievance – Refund” with the original ticket details. You may also use: