1. Refund Policy Overview

At StanPe, we strive to deliver transparent and reliable payment infrastructure services. This Refund and Cancellation Policy outlines the conditions under which transaction refunds and subscription fee adjustments are processed.

2. Customer Transaction Refunds

• Merchant Discretion: All merchant-customer transactions processed via StanPe are subject to the individual refund and return policies established by the respective merchant of record.
• Processing Timeframes: Approved transaction refunds are initiated immediately and typically credited back to the customer's original payment method (UPI, Net Banking, or Credit/Debit Card) within 3 to 7 business days, depending on the issuing bank.
• Refund Fees: StanPe does not levy extra hidden penalties on merchants for processing standard customer refunds.

3. Subscription & Gateway Service Fees

Setup fees and monthly software subscription fees for enterprise API access are non-refundable once the billing cycle commences, except where required by law or explicitly agreed in an enterprise Service Level Agreement (SLA).

4. Disputed Transactions & Chargebacks

In the event of an unauthorized transaction or billing discrepancy, merchants and cardholders can raise a formal dispute through our 24/7 Merchant Support Desk at disputes@stanpe.in.