Refund Policy

Last Updated: April 28, 2025

CreditKiya is dedicated to offering a reliable bill payment experience. This Refund Policy outlines the conditions under which refunds may be processed for payments made through our app. By using CreditKiya, you agree to the terms of this policy

1. Scope of Refunds

CreditKiya facilitates bill payments for utilities such as mobile, electricity, gas, water, broadband, DTH, insurance, Fastag, and subscriptions using Bharat Connect’s network and PhonePe as our payment aggregator. Refunds are applicable only in specific cases, such as failed or erroneous transactions, as detailed below.

2. Eligible Refund Scenarios

CreditKiya processes refunds in the following situations:

  • Failed Transactions: If a payment fails to reach the biller (e.g., due to technical issues with Bharat Connect, PhonePe, UPI apps, or the biller’s system) and the amount is debited from your account, you are eligible for a refund.
  • Duplicate Payments: If you are charged multiple times for the same bill due to an error in CreditKiya, we will refund the excess amount.
  • Biller Errors: If the biller confirms an incorrect payment (e.g., wrong bill amount processed due to outdated bill data), CreditKiya will coordinate a refund where applicable.

3. Non-Eligible Refund Scenarios

CreditKiya will not process refunds in the following cases:

  • Successful Payments: If the payment is successfully processed and credited to the biller, no refund will be issued, as the transaction is complete.
  • User Errors: Payments made to incorrect billers, consumer numbers, or accounts due to user input errors are not eligible for refunds, as CreditKiya does not control biller processing.
  • Biller Policies: Some billers may not allow refunds for certain payments (e.g., prepaid mobile recharges, Fastag top-ups). In such cases, refunds are subject to the biller’s policies.
  • Service Fees: Any third-party fees (e.g., UPI app or bank charges) are not controlled by CreditKiya and are non-refundable.

4. Refund Process

To request a refund, follow these steps:

  • Contact Support: Reach out to CreditKiya’s support team at support@creditkiya.com or call +918156036049 within 7 days of the transaction. Provide:
    • Transaction ID (available in the Transaction History section of the app).
    • Date and time of the payment.
    • Biller details (e.g., biller name, consumer number).
    • A brief description of the issue (e.g., failed payment, duplicate charge).
  • Verification: CreditKiya will verify the transaction with PhonePe, Bharat Connect, and the biller to confirm eligibility. This may take up to 48 hours.
  • Processing: If approved, CreditKiya will initiate the refund to your original payment method (e.g., bank account linked to the UPI app) within 48 hours of verification. Refunds may take 3–7 business days to reflect, depending on your bank or UPI app provider.

5. Refund Timeline

  • Verification: Within 48 hours of your refund request.
  • Processing: Initiated within 48 hours of approval.
  • Completion: 3–7 business days, subject to bank/UPI app processing times.

If a refund is delayed beyond 7 business days, contact CreditKiya’s support team for assistance.

6. Third-Party Dependencies

CreditKiya relies on third parties (Bharat Connect, PhonePe, UPI apps like PhonePe, Google Pay, Paytm, and billers) to process payments. Refund timelines and success may depend on these parties’ systems and policies. CreditKiya is not liable for delays or denials caused by third parties, but we will make reasonable efforts to coordinate refunds on your behalf.

7. Fraud Prevention

To protect users, CreditKiya may request additional verification (e.g., proof of payment) for refund requests to prevent fraudulent claims. CreditKiya reserves the right to deny refunds if fraud or misuse is suspected.

8. Contact Us

For refund requests or questions, contact AADHYADABHI.COM PRIVATE LIMITED, the operator of CreditKiya, at:

  • Email: support@creditkiya.com
  • Phone: +918156036049
  • Address: OFFICE NO.1064, SILVER BUSINESS POINT, VIP CIRCLE, Utran Branch Post Office, Surat, Gujarat, 394105
  • Hours: Monday to Friday, 9:00 AM to 6:00 PM IST

9. Changes to This Policy

CreditKiya may update this Refund Policy to reflect changes in our services or regulations. Continued use of CreditKiya after changes constitutes acceptance of the revised policy.

Note: This Refund Policy is part of CreditKiya’s Terms and Conditions. For details on data handling, see our Privacy Policy.