Refunds & cancellation

Before you pay

The charging currency and price are shown before payment. Availability of a currency does not enable checkout in that currency. Applicable tax treatment depends on the verified supplier's registration and the transaction. Check the final amount shown before authorising a payment. Monthly and annual subscriptions have different billing periods; an annual price is charged for the year. Checkout is available only for an active, configured plan. Free access does not require a payment card.

Digital delivery

Bankverto supplies online software access and processing capacity; nothing is physically shipped. Paid access or page credits are added to the selected workspace after payment is verified. If you were charged but access or credits are missing, contact support before paying again.

Cancel a subscription

Use Billing in the subscribed Personal or CA workspace to request cancellation. Cancellation stops future scheduled charges according to the provider's confirmed timetable; a subscription also ends when its configured billing cycles are exhausted unless a new valid arrangement is made. Access normally continues through an already-paid period unless a payment or legal issue requires otherwise. Cancelling does not itself refund the current period or delete your records. Cancelling a bank mandate alone may not cancel your Bankverto subscription; check Billing too. If cancellation cannot be completed, contact support before the next renewal. We do not charge a separate cancellation fee. We confirm the cancellation outcome and effective date; submitting a support request alone is not provider confirmation.

When you can request a refund

Report a duplicate charge, an unauthorized charge, a paid service that was not supplied, or a material service defect through Help & privacy requests. We investigate these requests and provide a refund or another remedy where due. For a change of mind, request a refund within seven calendar days of purchase if no paid processing capacity or paid feature has been used. We review the payment and usage records before confirming eligibility. This voluntary policy does not limit remedies required by applicable consumer law.

The seven-day unused-purchase condition applies only to our voluntary change-of-mind policy. It does not impose a seven-day limit on complaints about duplicate or unauthorized charges, non-delivery, defects or other statutory remedies. A refund decision is communicated after review; a support receipt is not automatic approval.

EU, EEA and UK consumer withdrawal

Where distance-contract withdrawal rights apply, consumers normally have 14 days from concluding the contract to withdraw without giving a reason. This statutory period takes priority over our voluntary seven-day unused-purchase policy. Accepting general Terms or beginning to use a feature does not by itself waive that right. Any lawful early-performance charge or loss of a digital-content withdrawal right requires the applicable specific information, consent and acknowledgement; we do not infer those from general policy acceptance.

To exercise an applicable right, contact our public billing contact or send a billing request in Help. Say “I withdraw from this contract”, identify your purchase and account, and include the purchase date or payment reference if available. A clear statement is enough; no particular wording is required. We confirm receipt and handle the remedy and any permitted adjustment under the applicable law. A statutory refund deadline takes priority over a general payment-provider estimate. Ending future renewals and withdrawing from the current purchase are different actions; tell us which you need.

CA processing page packs

Page packs are one-time purchases, do not automatically renew, and add capacity to the selected workspace. Purchased credits do not expire and are used after the monthly allowance, while a paid CA plan is active. For a change of mind, an entirely unused pack can be considered for a refund within seven calendar days. Used credits are not ordinarily refundable under that voluntary policy; duplicate charges, non-delivery and statutory remedies are assessed separately. Credits cannot be exchanged for cash or transferred to another workspace.

Payment pending or failed

If your bank shows a debit but Billing has not confirmed the purchase, do not pay again immediately. Send the payment reference and the approximate time and amount. Bankverto checks the provider record before activating access or resolving the charge. A browser success message alone is not proof of a completed payment.

How refunds are returned

We initiate an approved refund through Razorpay to the original payment method without undue delay and provide the refund reference when available. Normal refunds commonly appear within 5–7 working days after initiation; some payment methods or banks can take up to 10 days. This is an estimate, not a guaranteed credit date. We give the applicable estimate and explain any known initiation delay. If the stated time passes, reply with your request and refund references so we can trace the refund with the provider. Bankverto does not require an OTP, UPI PIN, card PIN, online-banking password or a further payment to refund you.

Raise or escalate a complaint

Use our public billing contact even if you cannot sign in. Include your request or payment reference, purchase date and a short description of the issue. In-app requests receive a reference and a recorded copy immediately; this is not a refund decision. Consumer complaints are to be acknowledged within 48 hours and resolved within one month. You may also use the National Consumer Helpline or approach the competent consumer commission. If an answer is overdue or does not resolve your complaint, reply to the same email or reopen your Help ticket and ask for a review. Contacting us does not waive those rights.

For support, billing, refunds, complaints or a privacy request, email support.bankverto@gmail.com. You can email without signing in. Include enough information to identify your request; never send passwords or full account numbers. Contact and follow-up guidance.