Refunds and Cancellations

For Buyer / Sender / Individual

VyaPay operates on a Pay-Per-Use model, with fees clearly communicated to you at the time of the transaction. These charges are disclosed prior to processing your payment. Once a payment is made, it is non-refundable. This applies even if the service has not been fully completed. Should you encounter issues such as billing errors, double charges, or payment failures, you can reach out to our support team at info@VyaPay.in.

VyaPay's Role in Transactions

VyaPay facilitates the transfer of funds between users and recipients, but does not engage in the actual transaction of goods or services. VyaPay acts purely as an intermediary to enable payments through credit card, and as such:

• VyaPay is not responsible for the delivery or condition of goods or services.
• VyaPay will not be held liable for any disputes or chargebacks related to the transaction.
• VyaPay does not endorse, guarantee, or assume any liability regarding the products or services provided by the recipient, whether they are registered with VyaPay or not.

If a dispute arises between the payer and the recipient, it is to be resolved directly between the two parties, as VyaPay does not intervene in these matters.

For Sellers / Recipients

VyaPay reserves the right to reverse or cancel transactions in the following circumstances:

• If a transaction is contested by the payer.
• If there are indications of fraudulent activity.
• If the transaction violates VyaPay's terms or is suspected to be fraudulent.

In cases of chargebacks, VyaPay may temporarily withhold the payment amount. For recurring chargebacks or disputes, VyaPay may take further actions such as:

• Suspending the recipient's account.
• Adjusting transaction fees.
• Delaying payouts.
• Implementing additional safeguards like a rolling reserve.

VyaPay may also charge a Penalty Fee for any misuse or violations of the platform, which may cover investigation costs or legal consultations.

Buyer / Seller Confirmation Prior to Payment

Buyers and sellers must confirm all transaction details before proceeding with any payments to avoid disputes or misunderstandings.

Buyer's Confirmation

Before initiating a payment, buyers must ensure that goods or services have been delivered to their satisfaction. By completing the payment, the buyer affirms that they are satisfied with the delivery. The buyer waives the right to dispute the payment via VyaPay but can still approach the seller directly for any concerns.

Confirmation methods include:

• Bank Transfers: The buyer confirms satisfactory delivery when the payment is made.
• Mobile/Email Payments: By providing the transaction confirmation number (TCN), the buyer confirms the delivery.
• Payment Requests/Invoices: When the buyer fulfills a payment request, they confirm satisfactory delivery.

Seller's Confirmation

Before accepting payment, sellers must ensure that the goods/services have been satisfactorily provided. By accepting the payment, the seller confirms that the delivery was made in accordance with the terms agreed upon. The seller is also obligated to provide any necessary documentation for verification if needed by VyaPay.

Confirmation methods include:

• Bank Transfers: Not applicable.
• Mobile/Email Payments: The seller confirms satisfactory delivery by claiming the payment.
• Payment Requests/Invoices: The seller confirms satisfactory delivery when they accept the payment request.