Refund Policy

Our Commitment to You

At BillWallah Technologies, we process millions of bill payments and recharges every month. While we strive for 100% success on every transaction, we understand that technical issues can sometimes occur. This Refund Policy outlines the conditions under which you are entitled to a refund and the process to claim one.

This policy applies to all transactions made through the BillWallah mobile application, website (billwallah.com), and any associated BillWallah platforms.

When Are You Eligible for a Refund?

Refunds are assessed on a case-by-case basis. Below is a clear breakdown of eligible and non-eligible scenarios.

Which Transaction Types Are Covered?

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  Mobile Recharges Prepaid recharges for Airtel, Jio, Vi (Vodafone Idea), and BSNL. Eligible if recharge was not credited to the mobile number.
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  Electricity Bill Payments Payments to DISCOMs (MSEB, BESCOM, TPDDL, etc.). Eligible if payment was not reflected on the provider's portal within 3 business days.
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  DTH & Cable TV Recharges Tata Play, Dish TV, Airtel Xstream, Sun Direct. Eligible if recharge was not credited to the set-top box.
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  Loan EMI Payments EMI payments to NBFCs and banks. Eligible if payment was not reflected with the lender within 5 business days.
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  Gas & Water Bill Payments Indane, HP Gas, Bharat Gas bookings and municipal water bills. Eligible if booking confirmation was not received.
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  Insurance Premium Payments Eligible if premium was not processed by the insurer and policy remains unpaid.

Step-by-Step Refund Process

Follow these steps to raise a refund request. Please keep your transaction ID and payment screenshot handy before starting.

How Will You Receive Your Refund?

All approved refunds are processed back to the original source of payment. We do not issue refunds in cash or via third-party payment links.

Automatic Refunds for Failed Transactions

For most failed transactions, our payment gateway (Zwitch/OpenMone) initiates an automatic reversal within 24–72 hours. You do not need to raise a manual request if:

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  Payment Gateway Auto-Reversal If your bank or UPI app shows a debit but BillWallah shows "Transaction Failed", the amount is typically auto-reversed within 3 business days by your bank or payment gateway.
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  Check Your Bank First Before raising a refund request, please check your bank statement. Many reversals happen automatically and may not generate a separate notification.

If the amount is not reversed within 3 business days, please contact our support team immediately with your transaction details.

Cashback Refund Rules

Cashback credited to your BillWallah wallet is non-refundable in cash. In the event that a transaction on which cashback was earned is subsequently refunded, the corresponding cashback amount will be deducted from your wallet balance at the time of refund processing.

What If You Disagree With Our Decision?

If you are not satisfied with the outcome of your refund request, you may escalate the matter by emailing our Grievance Officer at support@billwallah.com with the subject line "Refund Escalation – [Your Transaction ID]". We will review your case within 5 business days and provide a final resolution.

All disputes are subject to the jurisdiction of courts in Zunheboto, Nagaland, India, and shall be governed by the laws of India.

Updates to This Policy

BillWallah Technologies reserves the right to update this Refund Policy at any time. Any changes will be reflected on this page with an updated "Last Updated" date. Continued use of the BillWallah platform after any such changes constitutes your acceptance of the new terms.