Refund & Cancellation Policy

Last Updated: 05-01-2026 Company: Finsova Fintech Pvt. Ltd.

Auto Reversals

Failed transactions are automatically reversed back to your wallet within hours.

24-48 Hour SLA

Disputed bank transactions are investigated and resolved within 24 to 48 hours.

Verified Tracking

Every refund is issued with a unique bank UTR or BBPS reversal reference ID.

1. Overview & Applicability

This policy applies to transactions executed across Finsova platforms including BBPS utility payments, mobile/DTH recharges, vendor payouts, and checkout portal payments.

2. Failed Transactions & Auto Refunds

If a transaction fails due to operator timeout, biller downtime, or bank server errors while your account was debited, our automated system triggers an instant wallet reversal. In rare cases where auto-reversal is delayed, funds are credited back within 2 to 4 business hours.

3. Successful Transactions (Non-Refundable)

Once a bill payment or mobile recharge is confirmed as **SUCCESS** by the operator or BBPS central unit, the transaction is non-reversible. Please verify consumer numbers, bill account IDs, and amounts carefully before submitting.

4. Duplicate Debits

In the event of a duplicate debit for a single transaction request, the excess debited amount will be refunded directly to your original payment source or wallet within 24 business hours.

5. How to Request a Refund / Raise a Dispute

If you encounter a pending or failed transaction that requires manual review:

Log into your Saathi dashboard and select the transaction under **Reports**.
Click **Raise Dispute** and select the issue type.
Alternatively, email your transaction ID and details to support@finsova.org.

6. Refund Processing Timelines

Wallet Refunds: 2 to 4 hours.
Bank / UPI Account Credit: 24 to 48 business hours (depending on your bank's processing cycles).

Refund & Cancellation Policy.