Refund Policy

1. Refunds initiated by merchants

Merchants can issue full or partial refunds from the Creditspe dashboard or through the refunds API, for up to 180 days after the original payment.

Creditspe does not charge a fee to process a refund. The transaction fee on the original payment is not returned, in line with standard network practice.

2. Timelines

Once a refund is initiated, funds typically reach the customer in 5–7 working days for cards and net banking, and within 3 working days for UPI and wallets. Final credit timing depends on the customer's bank or wallet provider.

3. Failed and pending payments

Amounts debited for failed transactions are auto-reversed by the issuing bank, usually within 5–7 working days, without any action needed from the merchant.

4. Subscription cancellations

Cancelling a subscription stops future charges immediately. Charges already collected for the current billing period are refunded only where the merchant's own policy provides for it.

5. Creditspe platform fees

Creditspe charges no setup or annual maintenance fees. Any prepaid platform fee is refundable on a pro-rata basis if service is terminated by Creditspe without cause.

6. Raising a refund query

Customers should contact the merchant they paid in the first instance. If a refund remains unresolved, write to support@creditspe.com with the transaction ID and date, and our team will investigate within two working days.