Refund Policy

1. General Refund Rules

This Refund Policy is maintained by The Apex Guild Pvt Ltd. for services offered through MawaPay.

At MawaPay, our priority is a seamless payment experience. Refunds are applicable primarily in cases of failed transactions where the amount has been debited from your account but the service (e.g., mobile recharge, bill payment) was not delivered.

2. Processing Time

Automatic Refunds: For most failed transactions, our systems automatically trigger a refund. Depending on your bank and the payment method used, it typically takes 3-5 business days for the amount to reflect in your original payment source.

Manual Intervention: If a transaction is stuck in a "pending" state due to operator or bank delays, the final status may take up to 48 hours to be confirmed before a refund can be initiated.

3. Merchant Payments

For payments made to offline or online merchants using MawaPay, any request for a refund must be directed to the merchant directly. MawaPay cannot reverse successful payments authorized by the user unless instructed by the acquiring bank or in verified cases of fraud.

4. How to Request Help

If your transaction has failed but the refund hasn't arrived after 5 business days, please contact our support team at help@apexguild.in with your Transaction ID.