Manish Digital Services aims to explain charges and refund conditions clearly. Refund eligibility depends on the stage of the requested service, whether work has already been performed, the reason for cancellation, and whether an external authority or payment provider is involved.
01Policy Overview
This Refund Policy applies to service charges paid through Manish Digital Services website, customer service channels, partner workflows or other authorized payment methods. A refund is not automatic merely because an application is delayed, rejected or the customer changes their mind after processing has begun.
02Before Making a Payment
Customers should review the service name, requirements, applicable service charge and any additional official or third-party charges before confirming payment. If you are unsure about eligibility or requirements, contact us before asking us to proceed.
Once processing, application preparation or submission has started, the applicable service charge may become non-refundable because work or resources have already been used.
03Cancellation
A cancellation request should be made as early as possible. If no substantive processing has started and the service is reasonably cancellable, we may consider the request for a refund after checking the transaction and work status.
Once an application has been prepared, submitted, processed, booked, paid to an external provider, or otherwise acted upon, cancellation may not result in a refund of the service charge.
04When a Refund May Be Considered
Subject to verification, a refund may be considered in situations such as:
- A payment was successfully received but the requested service could not be initiated because of a technical or operational issue attributable to our service process.
- A duplicate payment was made for the same service and the duplicate amount can be verified.
- A payment was received for a service that we confirm cannot be provided and no processing work has started.
- An amount was incorrectly collected by us and the discrepancy is verified.
These situations do not create an automatic entitlement to a refund where an external provider, authority, bank or payment gateway is responsible for the issue.
05Situations That May Not Be Refundable
Refunds may generally not be available where:
- The customer changes their mind after processing has started.
- The customer supplied incorrect, incomplete, misleading or invalid information/documents.
- The application was rejected or delayed by a government department, bank, institution or other external authority.
- The customer became ineligible under the rules of the relevant scheme or service.
- The service was completed, submitted or the requested work was substantially performed.
- An external official fee or third-party charge has already been paid and is not recoverable.
- The issue results from customer failure to respond, provide documents, attend verification, complete an OTP or otherwise complete a required step.
06Failed, Pending or Reversed Payments
If your bank account is debited but our system shows a failed or pending transaction, first allow the payment provider/bank to complete its reconciliation. We may verify the transaction reference before taking any action.
If the payment is ultimately reversed or not received by us, no service balance will be treated as successfully paid until the transaction is confirmed. If we receive the amount and the service cannot be processed, the case may be reviewed under the refund rules above.
07Duplicate Payments
If the same service is accidentally paid twice, contact us with both transaction references. After verification, the duplicate amount may be considered for refund, subject to any transaction or gateway deductions that are legitimately applicable.
08Service Charges, Official Fees & Deductions
A service transaction may contain different components, such as our service-assistance charge, government/official fee, payment gateway charge, postage or another third-party charge. The recoverability of each component can differ.
Where only part of a transaction is refundable, the refundable amount will be calculated after checking which components were actually received, used or paid onward.
09Refund Processing
Approved refunds will normally be processed to the original payment method or through the payment mechanism available for the transaction, wherever technically and operationally possible.
1. Verify
We check the application, payment and service-processing status.
2. Approve
If eligible, the refundable amount is confirmed.
3. Process
The approved amount is sent through the applicable payment route.
10Bank & Payment Gateway Delays
After a refund is initiated, the time taken for the amount to appear in your account may depend on the bank, card network, UPI system, payment gateway or other financial institution. We cannot control the processing time of an external financial institution.
Please retain the refund/reference number, if provided, until the amount is credited.
11Applications Already Submitted
When an application has already been submitted to a government portal, bank, institution or another service provider, the service-assistance work may be considered performed even if the external authority later rejects, delays or asks for corrections.
Any official refund or fee reversal from the external authority is governed by that authority's own rules and is separate from our service-assistance charge.
12Customer Errors & Documents
Customers are responsible for providing correct information and valid documents. Additional work caused by incorrect details, missing documents, expired documents or customer-side errors may require a new service/correction charge where applicable.
13Partner Transactions & Wallet Credits
Where a partner account or wallet is used, a successful credit or transaction may be recorded against the partner account after verification. Failed or unconfirmed payments should not be treated as completed credits until the transaction is reconciled.
Partner-specific wallet, service-debit and transaction rules may be communicated separately as the partner platform evolves.
14How to Request a Refund
Send a refund request with enough information for us to locate the transaction. Please include:
- Customer/partner name and registered mobile number.
- Service name.
- Payment date and amount.
- Transaction/reference ID.
- Reason for the refund request.
- Relevant application or lead number, if available.
Do not send your UPI PIN, card PIN, password, OTP or other authentication credentials with a refund request.
15Refund Disputes & Resolution
If you disagree with a refund decision, contact us with the transaction details and the reason you believe the decision should be reviewed. We will re-check the available records and service status.
For a payment processed directly by an external payment provider, bank or authority, you may also need to raise the matter with that organization according to its dispute process.
16Changes to This Policy
We may update this Refund Policy when our services, payment methods, pricing, business processes or applicable requirements change. The latest version will be published on this page with an updated date.
17Refund Support & Contact
For a refund or cancellation query, contact Manish Digital Services with the transaction details. Early communication helps us verify the service status before further processing occurs.