Refund & Cancellation Policy

Last Updated: August 2026

Overview

This Refund and Cancellation Policy outlines the terms for refunds and cancellations on the Payin.bio platform. payin.bio is a product operated by Typedream LLP, and platform subscription refunds are settled by Typedream LLP. Please read this policy carefully before making any purchases or subscribing to our services.

Platform Services

Subscription Plans

Free Plan

  • ₹0 a month: unlimited products, digital delivery and prepaid checkout
  • Your first 10 sales are free for the life of your store. After that, ₹10 per paid order — flat, never a percentage, and never added to your buyer's bill
  • No credit card required
  • Full access to essential features
  • Upgrade anytime to paid plans

Paid Subscriptions

  • Go (₹149/month or ₹1,490/year), Plus (₹299/month or ₹2,990/year), Pro (₹699/month or ₹6,990/year)
  • Monthly billing
  • Cancel anytime before renewal
  • No refunds for partial periods
  • Downgrades effective next billing cycle

Cancellation Process

  1. Go to Dashboard > Settings > Subscription
  2. Click "Cancel subscription"
  3. Access continues until the current billing period ends

Platform Fees

Order Fees

  • Your first 10 paid orders are free, for the life of your store — not 10 a month
  • After that, ₹10 per paid order: flat, never a percentage of the order value
  • Invoiced to you as the seller, and never added to your buyer's bill
  • The ₹10 attaches to the order, not to how it ends. A COD order is charged when it is placed, and a return to origin or a refused delivery does not take it back
  • The same applies to a refund: once an order has reached you the ₹10 is earned and is not reversed if you later refund your buyer, in full or in part. The fee is per order, not per rupee
  • A prepaid checkout your buyer abandoned is never charged. With no completed payment there is no order, so there is nothing to charge
  • No store owes anything until 30 days after we have told it the fee is starting, and only on sales made after that notice

Payment Processing

  • Payment gateway charges are separate and apply as per your payment provider's rates
  • Your sales settle from your own Razorpay account straight to your bank; we never take a percentage and your money is never routed through us

Product Purchases (Buyer-Seller Transactions)

Important Note

Payin.bio is not a marketplace and is not a party to any sale. Sellers use our software to run their own storefronts, and each seller sets their own refund and return policies for their products.

Seller Policies

  • Each seller maintains their own refund policy
  • Policies displayed on product pages
  • Review before purchasing
  • Contact seller directly for issues

Platform's Role

  • We facilitate communication
  • We don't process product refunds directly
  • Disputes handled between buyer and seller
  • We may help both sides communicate, but we do not decide disputes

Recommended Process

  1. Contact the seller first
  2. Review seller's refund policy
  3. Send your request to the seller using the "Contact Seller" form on the order tracking page
  4. Allow 7 days for response
  5. Contact our support if unresolved

Payment Processing

Razorpay Transactions

  • Payments processed by Razorpay
  • Subject to Razorpay's refund policies
  • Processing fees may not be refundable
  • Refunds processed to original payment method

Refund Timeline

  • Seller-approved refunds: 5-7 business days
  • Platform service refunds: 7-10 business days
  • Bank processing: Additional 3-5 days
  • Credit card refunds may take longer

Dispute Resolution

For Product Issues

  1. Direct Resolution (Recommended)

    • Contact seller within 7 days
    • Provide order details and issue
    • Allow seller to respond
    • Work towards mutual resolution

  2. Platform Support

    • Available after you have tried to resolve it with the seller
    • Email support@payin.bio with your order number and a description of the issue
    • Include any evidence you have (photos, messages)
    • We can help you reach the seller, but the sale is between you and the seller, so we cannot decide the outcome or refund on the seller's behalf

  3. Chargeback Rights

    • Retain your consumer rights
    • Contact your bank/card issuer
    • Provide transaction details
    • Follow their dispute process

For Platform Issues

  • Contact support@payin.bio
  • Describe the issue clearly
  • Include relevant screenshots
  • Response within 48 hours

Special Circumstances

Digital Products

  • No refunds once downloaded
  • Preview/samples when available
  • Verify compatibility before purchase
  • Report technical issues immediately

Physical Products

  • Shipping damage: Photo evidence required
  • Wrong item: Return for exchange
  • Quality issues: Per seller policy
  • Lost shipments: Tracking required

Services

  • Cancellation before service delivery
  • Partial refunds for incomplete service
  • Quality disputes case-by-case
  • Time-sensitive services non-refundable

Eligibility Criteria

Valid Refund Reasons

  • Product not as described
  • Product not received
  • Damaged or defective items
  • Duplicate charges
  • Unauthorized transactions

Invalid Refund Reasons

  • Change of mind (unless seller allows)
  • Found cheaper elsewhere
  • No longer needed
  • Didn't read description
  • Buyer's remorse

Seller Obligations

Sellers on our platform must:

  • Display clear refund policies
  • Honor stated policies
  • Respond to refund requests timely
  • Process approved refunds promptly
  • Maintain customer satisfaction

Fraud Prevention

We reserve the right to:

  • Investigate suspicious refund patterns
  • Deny refunds for fraudulent claims
  • Suspend accounts for abuse
  • Report fraud to authorities
  • Recover fraudulent refunds

Force Majeure

No refunds required for:

  • Natural disasters
  • Government actions
  • Pandemic restrictions
  • War or terrorism
  • Other uncontrollable events

Policy Updates

  • We may update this policy
  • Notification via email
  • Changes effective immediately
  • Review periodically

Contact Information

For refund and cancellation queries:

Operator: Typedream LLP
Email: support@payin.bio
Phone: +919821169171
Response Time: 24-48 hours
Business Hours: Monday-Friday, 9 AM - 6 PM IST

Legal Rights

This policy doesn't affect your statutory rights as a consumer under applicable laws, including:

  • Consumer Protection Act (India)
  • Your credit card chargeback rights
  • Other applicable consumer laws

Summary

  • Platform services: Cancel anytime, no partial refunds
  • Product purchases: Per seller's policy
  • Processing time: 5-10 business days
  • Disputes: Try seller first, then platform
  • Support: support@payin.bio

By using Payin.bio, you acknowledge that you have read and understood this Refund & Cancellation Policy.

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