Refund Policy

Effective Date: October 14, 2025

At SAIJA PAY, we strive to ensure that all AEPS (Aadhaar Enabled Payment System) and DMT (Domestic Money Transfer) transactions are processed accurately and promptly. This Refund Policy explains the conditions under which refunds may be issued and the process for requesting them.

1. Refund Eligibility

• Refunds are applicable only in cases of failed, duplicate, or incorrect transactions initiated through SAIJA PAY.
• Transactions that are successfully completed as per the bank or payment network records are not eligible for a refund.
• Refunds will be issued to the original bank account used for the transaction.

2. Refund Request Process

• Contact SAIJA PAY support immediately after identifying a failed or incorrect transaction.
• Provide transaction details including date, amount, transaction ID, and recipient details (if applicable).
• Our team will review the request and initiate the refund process within 3–7 business days after verification.

3. Processing Time

The time taken for a refund to reflect in your bank account may vary depending on the bank or payment network. Typically, refunds are processed within 3–7 business days.

4. Limitations

• Refunds are not applicable for transactions failed due to incorrect details provided by the user.
• SAIJA PAY is not responsible for delays caused by bank processing times or network issues beyond our control.
• Refunds may be partially or fully withheld if the transaction was found to be in violation of applicable laws or terms of service.

5. Contact for Refunds

For any refund requests or inquiries, please contact our support team immediately:

• Email: tabrunnisha3@gmail.com
• Phone: +91 7380580663

6. Changes to Refund Policy

SAIJA PAY may update this Refund Policy from time to time. Any changes will be posted on this page with the updated effective date. We encourage users to review this policy periodically to stay informed.