Last Updated: [13-02-2026]

At FingerPe (a brand of Finger Pe Rajcom Private Limited), we are committed to providing seamless and transparent digital banking, AEPS, and API services. By using our platform, portals, or APIs, you acknowledge and agree to the following refund and cancellation terms.

1. Non-Refundable Services (B2B & Software)

The following setup and software services are strictly non-refundable once activated or deployed:

• API Onboarding & Setup Fees: Payments made for the integration and activation of API services.

• White-Label & Corporate Portal Setup: Development, branding, and deployment charges for custom domains and portals.

• Retailer/Distributor/Super Distributor Onboarding Fees: Registration and ID activation charges are non-refundable and non-transferable under any circumstances.

2. Transaction Refund Policy (B2C & Retail Services)

For everyday digital transactions processed through the FingerPe portal, the following rules apply:

• Mobile Recharges, DTH, and Utility Bill Payments (BBPS): All successful recharges and bill payments are final. If a transaction fails on our server but the amount is deducted from your wallet, it will be automatically refunded to your FingerPe wallet instantly or within 24 hours. If the status shows "Success" but the benefit was not received, the user must contact the respective telecom operator or biller.

• AEPS (Aadhaar Enabled Payment System) & Micro ATM: If a cash withdrawal transaction fails, but the amount is debited from the customer's bank account, it is considered a "Deemed Approved" or "Bank-Held" transaction. As per NPCI guidelines, the customer's bank will automatically reverse the amount within 3 to 7 working days. FingerPe does not hold these funds and cannot process manual refunds for them.

• Domestic Money Transfer (DMT) / IMPS / UPI:

  Money transferred to an incorrect bank account due to user error (wrong account number or IFSC code) cannot be reversed or refunded by FingerPe. Users must verify beneficiary details before initiating transfers. If a transfer fails due to bank server downtime, the deducted amount will be refunded to the sender's FingerPe wallet within T+2 working days.

3. Wallet Loading and Chargebacks

• Funds loaded into the FingerPe wallet for business purposes cannot be refunded back to the original bank account. They must be utilized for platform services.

• Any fraudulent chargebacks raised by a user or retailer will result in immediate account suspension, wallet freezing, and potential legal action.

4. Dispute Resolution & Grievance

If you believe a deduction was made in error or a failed transaction has not been refunded within the stipulated time, please raise a support ticket or contact us immediately:

• Grievance Email: care@fingerpe.com

• Resolution Time: Please allow 24 to 72 working hours for our technical team to investigate and resolve wallet disputes.