1. Same-day refund request window
Request usi din raat 11:59 PM IST tak bhejni hai. Agle calendar din nayi voluntary refund request accept nahi hogi.
For an Excoin membership payment, including manual UPI payments, submit your voluntary cancellation/refund request on the same calendar date as the successful payment, by 11:59 PM Indian Standard Time (Asia/Kolkata). The payment record’s timestamp determines the date. This is not a rolling 24-hour window.
Example: for a payment at 3:00 PM IST on 6 October, the request deadline is 11:59 PM IST on 6 October. A request first submitted on 7 October is outside the voluntary window. A payment late at night has a shorter remaining request window.
A request submitted within the deadline remains timely even if we review it or your bank credits the refund on a later day.
2. Eligibility and amount
A customer who makes a successful membership payment may request cancellation and a full refund of that transaction within the same-day window. We verify ownership, the successful payment and the request time, and check that the payment has not already been refunded. The request must identify the payment clearly enough for us to locate it.
For an upgrade, the refundable amount is the new upgrade payment actually collected. Previously paid memberships and notional checkout credits are not additional cash payments to refund. When a refunded membership or upgrade is cancelled, access related to that refunded purchase is withdrawn and any remaining entitlement is reviewed against the earlier valid purchase.
A lender declining a loan does not itself mean Excoin’s information service was not delivered. You may still use the voluntary same-day cancellation window.
3. How to request a refund
Email help@excoin.online before the deadline with the subject “Excoin refund request”. For assistance, call +91 8340160935. Email provides a timestamped record; if a call is unanswered, send the email within the deadline.
- Your name and registered mobile number.
- Plan name, amount and payment date/time.
- Razorpay payment ID, order ID or the transaction reference available to you.
- A clear request to cancel/refund, and a short explanation of the issue if any.
Do not send your password, OTP, UPI PIN, CVV or full card details. A redacted receipt can help identify the payment. Submitting a request does not itself trigger an automatic refund.
4. Online refund method and timing
After confirming eligibility for a manual UPI payment, we verify the original sender and arrange an online return to that original payment source. For an earlier Razorpay payment, we initiate the refund through Razorpay back to the original payment method. We communicate approval or any additional verification needed using your supplied contact details. We do not redirect refunds to an unrelated account, alternate UPI ID or cash payout.
The same-day deadline is for submitting the request, not a promise of same-day bank credit. For earlier Razorpay payments, after initiation, Razorpay normal refunds generally take 7–10 working days to reflect, depending on the bank and payment method. You may use the refund reference to follow up if the credit is delayed.
See Razorpay’s normal refund guidance. If a manual payment option was used instead, contact support so the original payment and suitable return process can be verified.
5. Payment errors and legal rights
Report duplicate debits, suspected unauthorised payments, payments taken without an order, or a paid service not provided as soon as possible. These complaints are investigated on their facts and are not automatically rejected solely because the voluntary same-day deadline has passed.
A failed or pending transaction may be reversed by the payment provider or bank rather than refunded as a completed order. Contact us with its reference and avoid paying repeatedly while its status is unresolved.
This policy does not limit mandatory consumer remedies, lawful chargeback rights or refunds required by applicable law. No refund is issued twice for the same amount.
6. Cancellation and follow-up
You may leave checkout before completing payment. If payment has already succeeded, use the refund request process above. Deleting your account or stopping use of the service does not automatically cancel a payment or create a refund request.
For follow-up, contact 8340160935 or help@excoin.online, quoting the original payment reference and your earlier request date.