Refund Responsibility
Refunds are initiated by the merchant. Zivope facilitates refund processing only.
Refund Timelines
- UPI refunds: 3–7 working days
- Chargeback resolution: as per bank timelines
Chargebacks
Merchants are responsible for providing valid proof during disputes.
Refunds are subject to bank & NPCI processing rules.
Last updated: January 2026