Refund Policy

1. General principle

KarvenPay facilitates recharges and bill payments to third-party operators, banks, institutions, and government systems. Because most of these transactions are processed instantly and are irreversible once confirmed by the biller, refunds are only issued in specific situations described below.

2. When a refund applies

• Amount debited, service not delivered: money was deducted from your account, but the recharge, bill payment, or fee payment did not reach the intended operator, biller, or institution.
• Duplicate payment: the same bill or recharge was charged to you more than once for the same billing cycle or transaction.
• Technical error: a verified system or gateway error on our end resulted in an incorrect charge.

3. When a refund does not apply

• The transaction was completed successfully and the service was confirmed by the operator, biller, or institution.
• You entered incorrect details (wrong mobile number, consumer number, FASTAG ID, account number, GSTIN, etc.) and the payment was credited to the wrong recipient as a result.
• Convenience fees or service charges on a successfully completed transaction.
• Delays caused solely by the biller's, bank's, or authority's own processing systems, once the payment has been successfully handed off to them.

4. How to request a refund

To request a refund, contact us within 7 days of the transaction date with the following:

• Transaction reference number or receipt
• Date and amount of the transaction
• A brief description of the issue

Send your request to info@karvenpay.com or call +91 77949 17679. You may also visit our shop in person.

5. Refund timeline

We aim to investigate and respond to refund requests within 3–5 business days. If a refund is approved, it will typically be processed within 7–10 business days, though actual credit to your account depends on your bank's or payment provider's processing times.

6. Mode of refund

Approved refunds will be credited back to the original mode of payment used for the transaction, wherever possible. In cases where this is not possible, we will coordinate an alternative mode with you directly.

7. Category-specific notes

Recharges (Mobile / DTH / FASTAG): refunds apply only where the amount was debited but not credited to your account with the operator.

Credit card bill payments: once a payment is confirmed by your bank as received, it cannot be reversed; refunds apply only to duplicate or failed transactions.

Education fee payments: refunds for a fee itself are subject to the concerned institution's own refund policy, not KarvenPay's.

Electricity & water bills: refunds apply only where the payment did not reflect against your consumer number despite being debited from you.

GST payments: refunds apply only to failed or duplicate challan payments; refunds of tax already accepted by the government portal must be pursued through the appropriate GST authority.

8. Contact us

KarvenPay
Shop No-2, Dattatreya Nagar Colony, Nagaram,
Dammaiguda Main Road, Dammaiguda,
Hyderabad, Telangana – 500083
Email: info@karvenpay.com
Phone: +91 77949 17679