Effective Date: 10 October 2025
At LuckyPe India Private Limited (hereinafter referred to as “LuckyPe”, “we”, “us”, or “our”), we aim to provide a seamless and trustworthy digital payment experience for all our users. This Refund Policy explains the terms under which refunds may be issued for transactions made through the LuckyPe mobile application or website.
We recommend all users read this Refund Policy carefully to understand the rights and responsibilities related to refunds and reversals of transactions.
LuckyPe acts as a digital payment facilitator between users, merchants, and financial institutions. Once a payment transaction is successfully completed, it is generally non-refundable. Refunds or reversals may only be initiated under specific circumstances as detailed below.
Refunds are always subject to the policies of the merchant, bank, or service provider involved in the transaction. LuckyPe will make all reasonable efforts to assist you in resolving refund-related issues but cannot guarantee a refund unless authorized by the concerned merchant or bank.
Refunds may be considered under the following situations:
i. Failed Transactions:
If your transaction amount has been deducted from your bank account or wallet, but the service or payment has not been completed successfully, the amount will be automatically refunded to your original payment source within 5 to 7 working days.
ii. Duplicate Transactions:
In the event that you accidentally make duplicate payments for the same service, please contact our support team immediately. After verification, a refund for the duplicate transaction may be initiated within 7 to 10 working days.
iii. Merchant Rejection or Cancellation:
If a transaction is cancelled or rejected by the merchant before completion of service delivery, LuckyPe will process a refund once confirmation is received from the merchant.
iv. Technical Error or Processing Failure:
If a transaction fails due to a technical issue from LuckyPe’s side or the payment gateway, and the amount has been debited, the same will be reversed within 5 to 7 working days.
No refund will be provided under the following circumstances:
The transaction was successful and service/product was delivered.
User entered incorrect details (e.g., wrong UPI ID, mobile number, or merchant account).
Transaction failed due to user’s negligence, device error, or insufficient balance.
Refund requests raised after 15 days from the date of the transaction.
Transactions related to utility bill payments, mobile/DTH recharge, or third-party merchant services where LuckyPe acts only as an intermediary.
To initiate a refund request:
Contact LuckyPe Support through the in-app help section or via email at support@luckype.in.
Provide the Transaction ID, Date, Amount, and Payment Mode.
Our team will verify the transaction details and respond within 3 working days.
If eligible, the refund will be processed to your original payment method within 5 to 10 working days, depending on your bank’s processing time.
If you dispute a transaction through your issuing bank or card provider (chargeback), LuckyPe will cooperate with the bank to resolve the matter. Please note that initiating a chargeback for a legitimate transaction may result in suspension or restriction of your LuckyPe account.
Refund timelines may vary depending on your payment method and bank’s policies:
UPI / Wallet / Net Banking: 3–7 working days
Debit/Credit Card: 7–10 working days
Bank Transfer: Up to 10 working days
LuckyPe is not responsible for any delay caused by third-party payment gateways, banks, or merchants.
LuckyPe does not allow cancellations once a transaction has been successfully processed. If a service or product provider allows cancellation, the refund will be subject to the respective merchant’s policy.
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