This Refund & Cancellation Policy applies to FastUPIGateway, operated by Koshyari Communication.

1. Customer Payments

FastUPIGateway only generates UPI payment links/QR codes. When a customer pays, the money goes directly to the merchant's own UPI ID / bank account — it never comes to us. Therefore, any refund for a customer transaction must be handled directly by the merchant who received the payment. We do not have the ability to refund, reverse, or hold customer transactions.

2. Merchant-to-Customer Refunds

If a customer is entitled to a refund, the concerned merchant is solely responsible for returning the amount to the customer through their own UPI/bank channel. Customers should contact the merchant they paid, not FastUPIGateway.

3. Subscription Fees

• Subscription fees paid to FastUPIGateway for software access are generally non-refundable once the plan is activated.
• If a subscription payment was charged in error or duplicated, contact us within 7 days and we will review and, if valid, refund the erroneous amount.
• No refund is provided for partially used subscription periods.

4. Cancellation

You may stop using the Services or choose not to renew your subscription at any time. Cancellation does not entitle you to a refund of fees already paid for the current period.

5. Disputes

For any customer transaction dispute, the customer must resolve it directly with the merchant and, if needed, through their bank or the UPI grievance mechanism. FastUPIGateway is not a party to such transactions.

6. Contact

For subscription refund queries, contact koshyarilalit@gmail.com or WhatsApp 9997040329.