Refund & Cancellation Policy

1. Scope of This Policy

This Refund & Cancellation Policy applies to supported transactions initiated through Vfirstpe, including mobile recharge, bill payments, money-transfer services and other payment-related services made available on the platform.

2. Cancellation of Transactions

Once a transaction has been submitted for processing, it may not always be possible to cancel it because the request may be transmitted immediately to a bank, payment gateway, recharge operator, biller or other service provider.

3. Failed Transactions

A transaction may fail because of technical errors, provider downtime, insufficient balance, invalid details, bank rejection, network issues, risk checks or other reasons.

If a transaction fails before any amount is successfully debited, no refund is required. If an amount has been debited but the transaction is confirmed as failed, a reversal may be initiated according to the relevant payment provider or banking process.

4. Pending Transactions

A pending transaction means that the final status has not yet been received from the relevant banking, payment or service provider.

Users should avoid repeatedly initiating the same payment while a previous transaction remains pending unless the platform clearly indicates that a retry is appropriate.

5. Reversals and Refunds

Where a transaction is eligible for reversal or refund, the amount will be processed according to the actual transaction status and the rules of the relevant bank, payment gateway or service provider.

Refund or reversal timing may vary depending on the provider, settlement cycle, banking network and original payment method.

6. Mobile Recharge and DTH Recharge

Successfully completed recharge transactions are generally not cancellable or refundable solely because an incorrect mobile number, operator, plan or subscriber information was entered by the user.

If the recharge provider confirms that the transaction failed after payment was debited, the applicable reversal process may be initiated.

7. Bill Payments

Successfully processed bill payments may not be cancellable after the payment has been accepted by the biller.

Users are responsible for verifying the biller, consumer number, bill amount and related details before payment.

8. Bank and Money Transfers

Successfully completed money transfers generally cannot be reversed simply because incorrect beneficiary information was entered by the user.

If a transfer fails or is reversed by the banking network, the corresponding transaction record will be updated based on the final provider response.

9. Fees and Service Charges

Refundability of service charges, platform fees, payment-provider fees, taxes or other charges depends on the nature and status of the transaction and the rules applicable to the relevant service.

10. Refund Review

Vfirstpe may review transaction logs, provider responses, settlement records and other relevant information before confirming whether a refund or reversal is due.

Additional information may be requested where necessary to investigate a disputed transaction.

11. Refund Processing Time

Vfirstpe does not guarantee a universal refund timeline because completion may depend on external banking and provider systems.

Once a refund or reversal is initiated, the final credit may take additional time to appear depending on the user's bank, payment method and provider processing cycle.