REFUND POLICY
Last Updated: 01-04-2025
1. Overview
At GRD PAYMENTS, we aim to provide reliable Mobile Recharge, DTH Recharge, Bill Payment, and other digital services through our platform.
Certain transactions are processed through telecom operators, DTH providers, billers, banks, payment gateways, API providers, aggregators, and other third-party service providers.
This Refund Policy explains when a transaction may be eligible for refund or reversal and how users can report transaction-related issues.
Submitting a complaint or refund request does not automatically guarantee a refund.
Refund eligibility depends on the verified transaction status and, where applicable, confirmation or reversal from the relevant operator, biller, aggregator, API provider, or other service provider.
2. Eligible Refund / Reversal Conditions
A transaction may be considered for refund or reversal where:
The transaction has failed but the applicable amount was deducted.
A transaction remains pending and is subsequently confirmed as failed or reversed.
The relevant operator, biller, DTH provider, aggregator, or other service provider officially confirms or processes a reversal.
A technical transaction failure results in an eligible reversal being received by GRD PAYMENTS.
The service was not successfully delivered and the relevant service provider confirms the transaction as failed or reversible.
Final refund eligibility will depend on transaction verification and the applicable service provider's final status.
3. Successful Transactions
If a Mobile Recharge, DTH Recharge, Bill Payment, or other transaction is confirmed as SUCCESSFUL by the relevant operator, biller, aggregator, or service provider, the transaction will generally be considered successfully completed.
If a user reports that the recharge/service benefit was not received despite a successful transaction status, GRD PAYMENTS may assist in checking or raising the complaint with the relevant service provider.
However:
A transaction marked as successful does not automatically become eligible for refund merely because the user reports that the benefit was not received.
Any refund or reversal will depend on the final verification and the applicable operator/service provider's status or reversal.
4. Wrong Mobile Number / DTH / Bill Details – NO REFUND
Users are responsible for carefully verifying all transaction details before confirming any recharge or payment.
Users must verify:
IMPORTANT
If a user enters incorrect details and the transaction is successfully processed using those details, GRD PAYMENTS cannot cancel, modify, transfer, or refund the transaction merely because incorrect information was entered by the user.
This includes:
Recharge completed to the wrong Mobile Number.
Recharge completed to the wrong DTH Customer ID.
Bill Payment completed using the wrong Consumer Number.
Payment completed against the wrong Account Number.
Wrong operator selected.
Wrong biller selected.
Wrong recharge plan selected.
Wrong recharge amount entered.
Any other successful transaction caused by incorrect information entered or confirmed by the user.
GRD PAYMENTS shall not be responsible for financial loss resulting from incorrect transaction details entered or confirmed by the user.
Once a transaction has been successfully processed against the details provided by the user, it generally cannot be transferred to another Mobile Number, DTH account, Consumer Number, Account Number, or beneficiary.
5. Non-Refundable Conditions
Refunds will generally not be provided where:
The transaction is confirmed as successful.
The service was successfully delivered.
The user entered the wrong Mobile Number.
The user entered the wrong DTH Customer ID / Subscriber ID.
The user entered the wrong Consumer Number / Account Number.
The user selected the wrong operator or biller.
The user selected the wrong recharge plan.
The user entered the wrong amount.
The user changes their mind after a successful transaction.
Fake, edited, manipulated, misleading, or insufficient proof is submitted.
The relevant operator or service provider does not approve or process a reversal for an otherwise successful transaction.
The issue is caused by incorrect information entered by the user.
6. How to Report a Recharge / Transaction Issue
Users experiencing a genuine recharge or transaction-related issue should contact GRD PAYMENTS support and provide complete transaction information.
Users may be required to provide:
Registered Mobile Number / User ID
Transaction ID / Reference ID
Mobile Number / DTH ID / Consumer Number
Operator / Biller
Transaction Amount
Transaction Date and Time
Transaction Status
Relevant screenshots
Operator confirmation, where applicable
Other valid supporting proof requested for verification
Incomplete, incorrect, unclear, or invalid information may delay or prevent complaint verification.
7. Complaint Verification & Processing – Up to 7 Working Days
Once GRD PAYMENTS receives complete and valid transaction details and all required supporting proof, the complaint will be checked and processed.
Recharge-related complaints may require up to seven (7) working days for verification and processing.
The seven-working-day period begins only after all required and valid information and proof have been received.
Verification may involve checking:
The seven (7) working days are for complaint verification and processing. This does not mean every complaint will result in a refund.
Refund eligibility depends on the final verified transaction status and applicable service-provider confirmation.
8. Refund / Reversal Method
Where a transaction is confirmed as eligible for refund or reversal, the applicable amount may be:
The exact refund method may depend on how the original transaction was processed.
Once GRD PAYMENTS has processed an eligible refund/reversal, any further delay caused by a bank, payment gateway, operator, biller, or other third-party service provider may be outside GRD PAYMENTS' direct control.
9. Recharge Transaction History – Two Calendar Months
GRD PAYMENTS maintains user-accessible recharge transaction history in the App/system for only the latest two (2) calendar months.
For example, during September, recharge history available in the App may generally be limited to August and September.
Users are advised to regularly save, download, export, screenshot, or otherwise maintain their own transaction records if they require the information for a longer period.
GRD PAYMENTS does not guarantee that ordinary recharge transaction history older than two (2) calendar months will remain available or retrievable through the App.
Certain records may be retained separately for legal, regulatory, accounting, taxation, fraud-prevention, audit, security, dispute-resolution, or compliance purposes where required or permitted by applicable law.
Such retention does not mean that those records will remain available as ordinary user-accessible recharge history.
10. Fraudulent or False Refund Claims
GRD PAYMENTS reserves the right to reject refund or complaint requests involving:
Fake screenshots
Edited or manipulated proof
False transaction information
Misleading claims
Fraudulent refund requests
Repeated misuse of the complaint process
Where there is reasonable evidence of fraud, misuse, or security risk, GRD PAYMENTS may restrict or suspend the applicable account subject to applicable law and its Terms and Conditions.
11. Third-Party Dependency
GRD PAYMENTS Services may depend on:
GRD PAYMENTS does not directly control third-party servers, transaction-processing systems, technical availability, or reversal decisions.
Therefore, certain transaction checks, reversals, and refund decisions may depend on the relevant third-party service provider.
GRD PAYMENTS will make reasonable efforts to assist with genuine transaction complaints but cannot independently reverse a transaction that has already been successfully processed by a third-party provider where no reversal is available.
12. Technical Issues & Delays
Temporary technical issues may occasionally affect transaction processing.
These may include:
A temporary technical issue does not automatically make a transaction eligible for refund.
The final transaction status must first be verified.
13. User Responsibility
Before confirming a transaction, users are responsible for reviewing all details carefully.
Users should not confirm a transaction unless they are satisfied that:
The Mobile Number is correct.
The DTH ID is correct.
The Consumer / Account Number is correct.
The Operator / Biller is correct.
The selected plan is correct.
The transaction amount is correct.
Users are responsible for transactions successfully processed using the information they entered or confirmed.
14. Contact Us
For recharge complaints, refund-related questions, or transaction support:
GRD PAYMENTS
Tamil Nadu, India
Email: cc.grdpayments@gmail.com
Support Number: 91 98439 98122
Website: https://www.grdpayments.com
Important Notice
Users must provide complete and valid transaction details and supporting proof when reporting recharge or bill-payment issues.
After all required valid proof is received, complaint verification and processing may require up to seven (7) working days.
Wrong Mobile Number / Wrong DTH ID / Wrong Consumer Number / Wrong Account Number / Wrong Operator / Wrong Bill Details resulting in a successful transaction are not eligible for refund from GRD PAYMENTS merely because incorrect details were entered by the user.
GRD PAYMENTS maintains user-accessible recharge transaction history for only the latest two (2) calendar months. Users should maintain their own older records where required.