Effective Date: September 6, 2026
Please review your transaction details carefully before confirming a payment. Once a payment has been successfully submitted, cancellation may not always be possible.
GramiPay facilitates digital payment transactions for supported services. Once a payment has been successfully initiated or settled, cancellation may not be possible depending on the status of the transaction and the relevant service provider.
Users should carefully verify all information before confirming a transaction, including:
A payment request may not be cancellable after it has been successfully submitted to the relevant insurer, biller, bank, payment gateway, or payment network.
Users should contact GramiPay support as soon as possible if they believe a transaction requires cancellation or investigation.
If a transaction fails but the amount has been debited from your bank account or payment instrument, the transaction may be subject to reconciliation and reversal through the relevant payment provider.
The time required for a reversal can vary depending on the bank, payment gateway, card network, UPI provider, BBPS infrastructure, or other financial institution involved.
A transaction may remain pending when confirmation has not yet been received from the relevant payment network, bank, biller, insurer, or service provider.
Users should avoid making duplicate payments while the original transaction is pending unless instructed otherwise by GramiPay support or the relevant service provider.
If a user accidentally completes the same payment more than once, the user may contact GramiPay with the relevant transaction information.
Any refund or reversal will be subject to verification and, where applicable, the policies of the relevant insurer, biller, bank, payment gateway, or payment network.
Payments successfully credited to the intended insurer, biller, or service provider generally cannot be cancelled by GramiPay.
Where a refund is possible after successful settlement, it may require confirmation or approval from the relevant service provider.
Where a refund is approved, it will normally be processed through the original payment method or another appropriate method determined by the applicable payment service provider.
The time taken for the refunded amount to appear in the user's account may vary depending on the bank, card issuer, UPI provider, payment network, or other financial institution.
Certain service, processing, convenience, or transaction charges, where applicable and disclosed before payment, may not be refundable except where required by applicable law or otherwise determined by the applicable service provider.
To request assistance regarding a failed, duplicate, incorrectly charged, or disputed transaction, please contact GramiPay support and provide the following information:
GramiPay
Email: info@gramipay.in
Phone: +0124-4957050
Address: G22 - BADSHAHPUR, 497, KRISHNA KUNJ, Gali Number 3, Naya Gaon, Gurugram, Haryana, 122102
GramiPay may update this Refund & Cancellation Policy from time to time. Any updated version will be published on this page.