Chargeback Policy

This policy explains how Apphany handles transaction disputes and chargebacks raised by users for supported digital, financial, recharge, bill-payment, booking, and application services.

Before filing a chargeback with a bank or card issuer, contact Apphany so the transaction can be reviewed. Many failed or pending transactions are resolved through provider reconciliation or an automatic reversal.

• A payment was made without the user’s authorization.
• The same payment was charged more than once.
• The payment succeeded but the confirmed service was not delivered.
• A technical failure caused an incorrect charge that was not reversed.

• Transaction ID, date, amount, and service type.
• Registered mobile number and payment reference.
• A description of the issue and any relevant screenshots or statements.
• Any additional evidence reasonably required for verification.

Apphany reviews transaction logs, payment confirmation, service-delivery status, and communication records. Information may be requested from the bank, payment gateway, biller, or service provider before a decision is made.

A dispute is generally acknowledged within 24–48 business hours. Investigation commonly takes 5–10 business days, but complex cases or third-party response times may require longer. The user will be informed when material updates are available.

A chargeback is generally not valid when the requested service was successfully delivered to the details entered by the user. Real-time recharges and bill payments may be irreversible after provider confirmation.

Users should immediately contact their bank or payment provider and Apphany if they suspect unauthorized activity. Credentials, OTPs, PINs, and passwords must never be shared. Account access may be temporarily restricted to protect the user during investigation.

False, duplicate, or malicious chargeback claims may lead to service restrictions and recovery of losses where permitted by law. This does not limit a user’s legitimate rights under applicable consumer or payment laws.

If a dispute is approved, the refund or reversal will be processed through the applicable payment channel. If denied, Apphany will provide the available reason and supporting transaction status.

Submit disputes to support@apphany.in. Include complete transaction information to avoid delays.