Refund & Cancellation Policy

1. Cancelling before you pay

You can cancel any recharge, bill payment or report unlock before you complete the payment by closing the payment screen. No money is taken, and any points you chose to redeem go back to your wallet.

2. After a successful recharge or bill payment

A recharge or bill payment is sent to the operator or biller as soon as your payment succeeds. Once it is successful it cannot be cancelled or refunded, because the operator or biller has already received it.

Please check the mobile number, DTH subscriber ID, operator, plan and amount before you pay. We cannot reverse a successful recharge or bill payment made to a wrong number or account.

3. Failed recharges and bill payments

If your payment succeeds but the recharge or bill payment fails, we refund the full amount to your original payment method. Any points you redeemed go back to your wallet.

We start the refund within 2 working days of confirming the failure. Your bank or UPI app usually shows it within 5 to 7 working days after that.

If we receive a payment for an order that was already closed, we do not process the recharge. We refund that payment in the same way.

4. Pending transactions

Sometimes the operator takes longer to confirm a recharge. It then shows as pending. Most pending transactions are confirmed within 24 hours. If it finally fails, we refund it as described in section 3. Please don't pay again for the same recharge while one is pending.

5. Credit Score full report

Your credit score is free. The full report is a digital product, unlocked as soon as payment succeeds, so it cannot be cancelled or refunded after it is unlocked.

If you were charged but the report did not unlock, contact us and we will unlock it or refund you in full.

Purchases made with Apple In-App Purchase on iPhone are refunded by Apple under its own policy. You can request one at reportaproblem.apple.com.

6. Points and cashback

Points and cashback have no cash value outside SpherePayment and cannot be withdrawn or refunded as money. Our Cashback Policy explains how they are earned and used.

7. How to ask for help

To report a failed or pending transaction, or to ask about a refund, raise a support ticket from the Support section of the app or website, or email support@spherepayment.in. Please include the order ID shown on your receipt.

If you are not satisfied with our reply, you can contact our Grievance Officer through the details in our Privacy Policy.