Refund & Cancellation Policy

1. Why No Refunds?

TestUPI.com is a digital service that is delivered instantly and automatically at the moment of payment. Unlike physical goods, digital services cannot be "returned" after delivery.

What Happens When You Pay ₹10:

• ✓ UPI verification service is delivered instantly (within seconds)
• ✓ On-screen report is generated immediately
• ✓ You receive transaction details, analysis, and recommendations
• ✓ The service has been fully delivered and consumed

Since the service is delivered instantly and cannot be "un-delivered," refunds are not possible.

2. What You Are Paying For

When you pay ₹10, you are paying for the SERVICE, not just the money transfer. Specifically:

• Technical Infrastructure: Server costs, cloud hosting, uptime maintenance
• Payment Gateway Fees: Razorpay processing charges (₹0.24 per transaction)
• Verification System: Real-time payment processing and analysis
• Report Generation: Instant on-screen report with transaction details
• Security Analysis: Fraud prevention tips and security recommendations
• Diagnostic Service: Whether pass or fail, you get complete analysis
• 24/7 Availability: Service available anytime you need it
• Development & Operations: Ongoing development, maintenance, and support

3. Service Delivery Confirmation

The service is considered successfully delivered when:

• ✓ Payment is processed and confirmed by Razorpay
• ✓ Verification report is displayed on your screen
• ✓ Transaction details (Payment ID, UTR, timestamp) are shown
• ✓ Performance analysis is provided
• ✓ Security recommendations are displayed

Once these elements are delivered, the service is complete and non-refundable.

4. What If My UPI Test Fails?

Even when your UPI test fails, you still receive valuable service:

• ✓ Diagnostic Information: Detailed analysis of why the test failed
• ✓ Error Identification: Specific error codes and reasons
• ✓ Troubleshooting Steps: How to fix the issue
• ✓ Recommendations: Next steps to get your UPI working
• ✓ Support Guidance: Who to contact (bank, UPI provider)

The verification service itself (identifying the problem) has value and was successfully delivered. You now know your UPI has an issue and how to fix it—that's the service you paid for.

5. No Cancellations

Payments cannot be cancelled once initiated.

Due to the instant nature of our service:

• ❌ Transactions cannot be cancelled after clicking "Pay"
• ❌ Once payment is processed, service is delivered immediately
• ❌ There is no "waiting period" or "cooling off period"
• ❌ The transaction is complete within seconds

6. Technical Issues or Service Failures

7. What Is NOT Eligible for Refund

The following situations do NOT qualify for refunds:

• ❌ Your UPI test failed (you still received diagnostic service)
• ❌ You changed your mind after payment
• ❌ You didn't understand the service before paying
• ❌ You accidentally clicked payment button (user error)
• ❌ You paid multiple times intentionally (testing multiple times)
• ❌ You couldn't take a screenshot of your report
• ❌ You forgot to save or print your report
• ❌ Issues with your bank, UPI app, or internet connection
• ❌ Payment gateway fees cannot be recovered
• ❌ Dissatisfaction with service after delivery
• ❌ You found a cheaper alternative elsewhere
• ❌ You decided to test with a friend instead

8. Payment Gateway Policies

Payments are processed through Razorpay. Important notes:

• Razorpay charges non-refundable processing fees (2% + GST)
• Even if we issue a refund, gateway fees cannot be recovered
• Razorpay's dispute resolution process applies to payment issues
• Failed Razorpay transactions (where money didn't leave your account) are automatically reversed by Razorpay, not by us
• We have no control over Razorpay's internal processes

9. Chargebacks and Disputes

If you dispute a charge with your bank/card issuer:

• We will provide proof of service delivery (transaction logs, report generation timestamps)
• Chargebacks for delivered digital services are considered fraudulent
• We reserve the right to pursue recovery of chargeback losses and associated fees
• Your access to the service may be permanently blocked
• Fraudulent chargebacks may be reported to authorities

If you have a legitimate issue, please contact us first at contact@testupi.com. We're here to help resolve genuine problems.

10. Duplicate Payments

If You Accidentally Paid Multiple Times:

System Error (Rare):

• Contact us immediately with proof (transaction IDs for both payments)
• We will investigate and verify the duplicate charge
• If confirmed as system error, we will refund duplicate charges

User Error (Multiple Clicks):

• Unfortunately, no refunds
• Each click is a separate transaction and service delivery
• You received multiple reports (one for each payment)
• We cannot distinguish between intentional retesting and accidental clicks

11. Fraudulent Transactions

If your payment method was used without your authorization (fraud or theft):

1. Contact your bank/card issuer immediately
2. File a fraud report with them
3. Notify us at contact@testupi.com
4. Provide police report or fraud complaint number
5. We will cooperate with investigations and provide transaction details
6. Refunds will be processed upon verification of fraud

12. Before You Pay - Checklist

To avoid confusion and ensure you understand what you're purchasing, please:

• ✓ Read our homepage carefully to understand the service
• ✓ Review the FAQ section for common questions
• ✓ Understand this is a one-time ₹10 verification service
• ✓ Confirm you accept the no-refund policy
• ✓ Make sure you're ready to proceed with payment
• ✓ Ensure you can take a screenshot of your report
• ✓ Have stable internet connection

By clicking "Pay," you confirm you've understood the service and accept this no-refund policy.

13. How to Contact Us for Issues

If you experience a genuine technical problem where service was not delivered:

14. Refund Processing (If Approved)

In the rare case a refund is approved for technical issues:

• Refund will be processed to your original payment method
• Processing time: 7-10 business days from approval
• Bank/card issuer may take additional 3-5 days to credit
• You will receive email confirmation when refund is initiated
• Payment gateway fees (₹0.24) are non-refundable
• Maximum refund amount: ₹9.76 (excluding gateway fees)

15. Consumer Rights (India)

Under Indian Consumer Protection Act, 2019:

• Digital services delivered instantly are generally non-refundable
• Clear disclosure of no-refund policy is required (we provide this)
• Consumers have the right to seek redressal for genuine grievances
• If you feel your consumer rights have been violated, you may approach consumer forums
• National Consumer Helpline: 1800-11-4000 or 14404

16. Changes to This Policy

We reserve the right to modify this Refund & Cancellation Policy at any time. Changes will be effective immediately upon posting. The "Last Updated" date will reflect the most recent revision.

Your continued use of the service after changes constitutes acceptance of the updated policy.

17. Acceptance of Policy

By using TestUPI.com and proceeding with payment, you acknowledge that:

• ✓ You have read and understood this Refund & Cancellation Policy
• ✓ You accept the no-refund policy
• ✓ You understand the service is delivered instantly and cannot be returned
• ✓ You agree to these terms voluntarily and without coercion

18. Contact Information

For questions about this Refund & Cancellation Policy:

• Email: contact@testupi.com
• Website: testupi.com
• Response Time: 3-5 business days