Refund Policy
1. Overview
Zynopay Private Limited is committed to ensuring customer satisfaction with our software platform and professional services. This Refund Policy applies to all payments made directly to Zynopay for our services, including subscription plans, consulting engagements, and one-time setup fees.
This policy does not apply to payments processed through Zynopay's platform by our customers to their own end customers — those are governed by each customer's own refund and cancellation policies.
2. Subscription Plan Refunds
| Condition | Refund |
|---|---|
| Request within 7 days of payment AND platform not used to generate invoices or process transactions | Full refund of subscription fee (excluding GST, which is non-refundable) |
| Request within 7 days of payment AND platform has been used | No refund; service continues to end of billing period |
| Request after 7 days of payment | No refund; service continues to end of billing period |
| Annual subscription, unused, within 7 days | Full annual refund (excluding GST) |
| Annual subscription, partially used | No refund; subscription remains active until expiry |
What counts as "used": Any invoice generated, payment link created, billing plan activated, or workflow configured through the platform constitutes use.
3. API Integration Consulting Refunds
- Consulting engagements are non-refundable once a kickoff call has been conducted
- If the kickoff call has not yet occurred and you request a refund within 24 hours of payment, a full refund will be issued
- If the Statement of Work (SoW) has been delivered, no refund is available regardless of whether implementation has begun
4. Digital Commerce Setup Fee Refunds
- The one-time Digital Commerce setup fee (₹4,500) is refundable within 24 hours of payment if setup has not commenced
- Once the setup call has been conducted or storefront configuration has begun, the setup fee is non-refundable
5. Non-Refundable Items
- GST charged on any invoice (non-refundable per Indian tax law)
- Subscription fees for periods already elapsed
- Consulting fees where SoW has been delivered
- Setup fees where configuration has commenced
- Subscription fees for accounts terminated due to breach of Acceptable Use policy
6. How to Request a Refund
- Email support@zynopay.in with subject line: "Refund Request – [Your Merchant ID]"
- Include: your registered business name, email, invoice number, payment date, and reason for refund
- Our team will acknowledge your request within 1 business day and confirm eligibility
- If eligible, we will initiate the refund to your original payment source
7. Refund Timeline
- Processing time: Refunds are initiated by Zynopay within 2 business days of approval
- Credit card / debit card: 5–7 business days after initiation
- Net banking / UPI: 3–5 business days after initiation
- Timeline depends on your bank's processing speed; Zynopay is not responsible for delays on the banking side
A revised GST credit note will be issued for all approved refunds as required under the GST Act.
8. Disputes
If you are not satisfied with our refund decision, you may escalate by emailing support@zynopay.in with subject "Refund Escalation". We will review within 5 business days and provide a final response.
Consumer complaints may also be filed under the Consumer Protection Act, 2019 through the National Consumer Helpline (1800-11-4000) or the e-Daakhil portal.
9. Contact
- Email: support@zynopay.in
- Address: Zynopay Private Limited, W-126, 3rd Floor, 3rd Avenue, Anna Nagar, Chennai – 600040, Tamil Nadu